In a similar vein to C-Mac's pots from earlier today, my partners folks are considering a move & settle in Australia. They are currently NZ citizens and receive a full NZ pension. Dad is 73 ish Mum is 64 ish They have an IP, (mortgaged), in the UK which they are about to sell. Mum has a UK commercial property which brings in a small income, there is no mortgage on the CIP and no other debt once the UK IP has sold. The CIP property is not worth enough to affect the Australian pension test on asset value, but the income from it will. From what we have been able to gather so far, their NZ pension will transfer to an Australian one but will become means tested to the Australian rules. When here in Oz, the income from the UK commercial property will reduce their Australian pension to a degree. They won't have much in the way of savings as the profit from the UK house would be used as the deposit for the Australian PPOR, (say 40% deposit). Approximate guesstimate figures would be roughly:- PPOR - Purchase price - $350-400k Deposit from sale of UK property + savings approx - $160k Income from UK commercial property (owned outright, no other debts) - approx $25k p/a (in Mums name) Income from reduced Australian Pension - approx $25k per year (joint) That makes a total joint income of $50k AUD (50% from UK rental income and 50% from AU pension). What are their chances of getting a mortgage for the remaining $190-240k? and over how long? Cheers.