Foreign National Mortgages – UK Home Loans for Visa Holders

We support a wide range of applicants, including:

• Skilled workers and healthcare professionals
• Applicants with less than 2 years’ UK residency
• Visa holders with as little as 3 months remaining
• First-time buyers with 5–10% deposits
• Self-employed professionals and contractors
• Joint applicants with mixed visa statuses

Many lenders require long UK residency, high deposits, or strict income history. We work with specialist providers who offer:

• ✅ Up to 95% Loan-to-Value (LTV) for eligible visa holders
• ✅ No minimum UK residency in some cases
• ✅ No minimum income thresholds
• ✅ Acceptance of builder incentives on new-builds
• ✅ Support for PAYE and self-employed applicants
• ✅ Flexible underwriting and fast Decision in Principle options

• New-build homes (including those with builder deposit incentives)
• Standard residential purchases
• Shared Ownership and Help to Buy (where eligible)
• Buy-to-let (up to 75% LTV for visa holders)

Most lenders will ask for:

• Proof of UK address
• Valid visa documentation (e.g. Skilled Worker, Health & Care)
• Employment history (typically 12 months)
• Deposit held in a UK bank account
• Basic income and affordability details

We offer:

• Real-world experience with visa-based applications
• Access to lenders who welcome foreign nationals
• Clear guidance on deposit options and affordability
• Fast turnaround on mortgage decisions
• Support with protection, budgeting, and long-term planning