Intra-Company Transfer Visa Mortgage UK: The Complete 2026 Guide to Deposits, Lenders and Eligibility

Can You Get a Mortgage on an Intra-Company Transfer Visa?

Yes. If you're in the UK on an Intra-Company Transfer visa - now officially the Senior or Specialist Worker route under the Global Business Mobility framework - you can get a UK mortgage. This route is designed for senior managers and specialists transferred to a UK entity by their overseas employer, and it comes with a notably high salary threshold, currently £52,500 or the occupation's going rate, whichever is higher.

That salary floor is one of the strongest points in your favour with lenders. However, this visa has a feature that sets it apart from most other work visas covered in this series: it doesn't lead directly to Indefinite Leave to Remain. Holders are capped at a maximum stay of 5 years in any 6-year period (9 years in 10 for high earners on £73,900 or more), and settlement only becomes possible by switching onto a different route, such as Skilled Worker.

The Deposit: What You'll Actually Need

Deposit requirements for this visa category are shaped less by income - which is often strong - and more by the visa's fixed, capped nature.

20–25% deposit - This is the range most lenders will expect for a sole applicant, reflecting the visa's temporary assignment structure rather than any concern about affordability.

15% deposit or below - Achievable in some cases, particularly with several years remaining on the visa, a long track record with the same multinational employer, or a joint application with a partner who holds ILR, settled status, or British citizenship.

Above 25% - More likely where the remaining visa term is short, income includes a significant overseas or non-GBP component, or there's no clear plan to switch onto a longer-term visa route before this one expires.

Why the Lack of a Direct Settlement Route Matters

This is the single biggest difference between an Intra-Company Transfer mortgage application and one on a route like Skilled Worker or Health & Care Worker. Because this visa is capped and doesn't lead to ILR on its own, lenders want reassurance about your position once the assignment or cap is reached.

Applicants who can show a realistic intention to switch onto the Skilled Worker route, or who are early in a long-term UK posting with several years remaining, are generally viewed more favourably than those applying very close to the visa's cap with no clear next step.

Overseas Income and Currency Considerations

Because this route is built around transferring existing staff from an overseas entity, some applicants are paid partly or wholly through an overseas payroll, sometimes in a different currency. This is manageable, but it needs the right lender.

Most mainstream lenders want to see your income paid into a UK bank account in GBP. Where income is paid overseas or in another currency, some lenders will still consider it, but typically apply a "haircut" - discounting the recognised income by a percentage - to account for currency fluctuation risk. Getting your UK-based salary formalised through UK payroll, where possible, generally simplifies the mortgage process considerably.

Building UK Credit History as an Intra-Company Transfer Visa Holder

Even with a strong, high-value role, a thin UK credit file is a common reason applications take longer than they should - and one of the easiest things to address early.

Practical steps that make a genuine difference

1. Register on the electoral roll at your current address as soon as you're eligible.
2. Open and actively use a UK bank account, ideally the one your UK salary is paid into.
3. Take out a UK credit card and repay it in full every month by direct debit.
4. Set up direct debits for regular bills - utilities, phone contracts, subscriptions.
5. Check your credit report through one of the main UK credit reference agencies and correct any errors before you apply.

International credit history generally doesn't transfer to the UK, so this applies even to senior professionals with an excellent financial record built up abroad.

How Much Can You Borrow?

Income multiples for Intra-Company Transfer visa holders are broadly in line with the rest of the market - typically four to five times annual income - and given the high salary threshold attached to this route, many applicants are working with a considerably larger borrowing base than other visa categories from the outset.

If part of your compensation includes bonuses, allowances, or benefits tied to the assignment, make sure these are clearly documented, as treatment varies significantly by lender - some will include a proportion of regular bonus income, others will not.

Documents You'll Need

Your document checklist

1. Valid passport and your digital immigration status (share code) confirming your Senior or Specialist Worker visa
2. Your Certificate of Sponsorship reference and evidence of the linked UK and overseas entities
3. Latest three to six months of payslips, in GBP where possible
4. Your UK employment contract or assignment letter
5. Three months of UK bank statements
6. Proof of deposit and, where relevant, a gifted deposit letter confirming the source of funds
7. A current UK credit report

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