Is the mortgage market turbulence getting you down? Have you got a mortgage-related question you need answering? Email in, and we will get one of our experts to reply. Nick Mendes, mortgage technical manager at John Charcol, has given his advice to a reader below. If you have a question for our experts, email us at money@theipaper.com .

Question: We are a retired couple living in Cannes, France. We sold our home in north London 12 years ago but now want to move back to the UK. What are our options for buying a property? Can we still get a mortgage, or would we need to fund the purchase entirely with cash?

Answer: It is very common for British retirees who have spent years abroad to reach a stage where they want to return home. Sometimes it is about being closer to family, someti

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