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Everything you need to know about getting a mortgage in the UK as a visa holder. Can't find what you're looking for? Get in touch and we'll be happy to help.
Yes, many lenders offer mortgages to people living in the UK on a valid visa. Applicants on visas such as the Skilled Worker Visa, Spouse Visa, and some Graduate Visas may be eligible depending on their income, employment status, and credit history.
Why not use our calculator to check your eligibility?
Most visa holders need a deposit between 10% and 25% of the property value but there are options of 5% deposit available. The exact amount depends on the visa type, income level, and lender criteria.
Many lenders accept applications from people on visas such as:
Eligibility depends on factors such as income, job stability, and how long you have lived in the UK.
Some lenders allow visa holders to apply as soon as they start working in the UK, while others prefer applicants who have lived in the UK for at least 12 months or longer. Having a strong employment history and stable income can improve your chances of approval.
Yes, many lenders provide mortgages to applicants on the Skilled Worker Visa. Typically you will need a steady income, a good credit profile, and a deposit of around 10–15% but there are options of 5% deposit available. Some lenders may also require that you have a minimum period remaining on your visa.
Yes. Many visa holders buying their first home in the UK can qualify for a mortgage if they meet lender criteria. Being a first-time buyer does not usually prevent you from getting a mortgage, but lenders will assess your income, visa status, and deposit.
Having a UK credit history can improve your chances of getting approved, but it is not always required. Lenders may also consider factors such as your employment, income level, and how long you have been living and working in the UK.
Yes, permanent residency is not required to buy property in the UK. Many visa holders purchase homes while working in the UK, although mortgage requirements may differ depending on the visa type and lender.
The easiest way to find out if you qualify is to complete our quick Eligibility Calculator and then book a call with us. This typically involves reviewing your visa type, income, employment history, and deposit amount to determine which lenders may accept your application.
Use our free calculator to get an instant snapshot of your borrowing potential, or book a consultation with our visa mortgage specialists.