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Foreign National Mortgages – UK Home Loans for Visa Holders

Helping new arrivals and visa holders buy property in the UK—even with low deposits.

At MDJ Mortgages, we specialise in helping foreign nationals secure UK mortgages. Whether you're on a Skilled Worker visa, Health & Care visa, or another residency route, we work with lenders who understand your journey—and offer solutions beyond the high street.

Start Your Journey

Who We Help

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

Start Your Mortgage Journey

Why Choose MDJ Mortgages?

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

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Property Types We Support

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)

What You’ll Need to Apply

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

Your Mortgage Journey Starts Here

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

Book Your Free Consultation

Ready to explore your mortgage options as a foreign national in the UK? Let’s find the right lender for your journey.

Book a Discovery Call

Additional Services

At MDJ Mortgages, we offer a wide range of expert services to support you at every stage of your mortgage journey. Whether you’re a first time buyer, planning for retirement, or exploring specialist options, our friendly and experienced team is here to help.

Explore our full range of mortgage services below:

Equity Release in Basingstoke – Unlock the value of your home and enjoy financial freedom in later life with trusted, regulated advice.
Mortgage Broker in Basingstoke – Work with knowledgeable, local mortgage experts who put your needs first.
Mortgage Advice in Basingstoke – Get honest, independent guidance tailored to your financial goals.
Remortgage Broker in Basingstoke – Find out if you could save money or secure a better deal with expert remortgage support.
Specialist Mortgage Brokers in Basingstoke – Support for complex cases, including self-employed buyers, contractors, and more.

MDJ Mortgages

5.0

Based on 179 reviews

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George Robinson

3 weeks ago

My partner and I used MDJ Mortgages to buy our first house.

Mark and Jodie were exceptional. They gave us quality, trusted advice at every step of the process. Clearly outlined what we needed to do. Answered all of our questions very quickly. They found us the best mortgage rates available on the market, as well as assisting with home insurance, life insurance and general tips for purchasing a house.

As a first time buyer with no experience purchasing a house, it can be a daunting task. Mark and Jodie made it as simple and easy for us as possible.

I highly recommend MDJ Mortgages and will be referring any and all of my friends.

Justyn Moore

1 month ago

We have just finished our remortgage with MDJ and it was simple and clear from the outset. Marks’ communication was excellent and in no way excessive which meant that we got the best rate available with zero stress. I would not hesitate to recommend Mark, and Jodie also.

Sam Cooper

1 month ago

Very helpful and found us a great deal on our mortgage! Helping throughout the whole buying with great communication throughout. 100% would recommend.

alisha shepherd

1 month ago

Mark and Jodie from MDJ Mortgages have been incredible throughout. So professional, diligent and knowledgeable. Our case had a few delays through no fault of MDJ Mortgages but they remained supportive and informative throughout, working incredibly quickly to assist in finding solutions and making everything work. Very satisfied with the service provided and will certainly be returning for a remortgage in a couple of years! Thank you :)

Tristan Ware

1 month ago

Mark and Jodie made what was a very stressful period, significantly easier.
They are responsive, proactive and really know their stuff. If only every part of the home buying process was made this simple!

I cannot recommend their services enough.

Anna Foster-Ford

3 months ago

Our case definitely wasn't the easiest—if mortgages handed out awards for "most complicated paperwork adventure," we would have been strong contenders! 😄
But Mark and the entire team at MDJ Mortgages handled everything smoothly, quickly, and with incredible professionalism. What seemed impossible to us was just another day at the office for them.
Working with MDJ Mortgages was an absolute pleasure from start to finish.Mark and Jodie kept us informed, made the process stress-free, and somehow managed to deliver what felt like a small miracle.
If you're looking for mortgage experts who can turn headaches into happy endings, Mark and his team are the people to call. Highly recommended!

Ellie Caldwell

4 months ago

I’ve just completed on my first ever property which was definitely made possible thanks to the help of Mark and Jodie at MDJ Mortgages. I came to them looking for advice really early on when I was just thinking about maybe buying after being sick of renting, and they’ve helped make it a reality. Super helpful team who helped explain everything, especially as a first time solo buyer who really was clueless about the process. Highly recommend.

Pauly Blunden

6 months ago

Professional, knowledgeable, flexible, understanding. Just a few words to describe how great the people in this company are . Normal down to earth people, offering a service above and beyond.

They took all the stress out of my remortgage, they were patient, understanding and reassuring. Would for sure use them again. And would recommend to anyone

Thank you Mark and Jodie , top job

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Risk Warning

Your home may be repossessed if you do not keep up repayments on your mortgage.

MDJ Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 949077.

MDJ Mortgages Ltd is registered in England and Wales under company number 12499356 at registered address 28 The Topiary, Lychpit, Basingstoke, RG24 8YX.

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