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Foreign National Mortgage Specialist

Mortgages for Foreign Nationals

Living and working in the UK but not a UK citizen? We find lenders who are set up for non-UK applicants across all visa types, from Skilled Worker to EU settled status.

All visa types consideredUK credit builtSettled & pre-settled statusSpecialist lenders
Prefer to call? 0844 884 9748 (Mon-Sat 9am-7pm)
Step 1 of 3Type Selection

What type of mortgage do you need?

Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.

Roger Cooper

"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."

— Roger Cooper, Senior Mortgage Adviser

Why foreign nationals need specialist mortgage advice

Mainstream lenders often decline or restrict mortgages for non-UK citizens. We find those who take a sensible view of your situation.

All visa types considered

Skilled Worker, Tier 2, spouse and family visas, indefinite leave to remain, EU settled status, and pre-settled status. We know which lenders are comfortable with each visa type and which to avoid, saving you declined applications on your credit file.

Limited UK credit history is not a barrier

Building a credit history takes time when you are new to the UK. We find lenders who assess foreign nationals with limited UK credit history, looking at the overall picture rather than rejecting applications purely on the basis of thin credit files.

Settled and pre-settled status understood

EU citizens with settled or pre-settled status under the EU Settlement Scheme are treated differently by different lenders. We know which lenders are comfortable with both statuses and which require full settled status, so you approach the right lender first time.

Specialist lenders with competitive rates

Not all lenders offer mortgages to foreign nationals, but those who do can be very competitive. We access specialist lenders outside the high street who are set up for non-UK citizen applications and offer good rates alongside sensible criteria.

Minimum residency requirements navigated

Many lenders require you to have lived in the UK for a minimum period, typically 1-3 years, before they will offer a mortgage. We advise on exactly where you stand and which lenders are most flexible on residency requirements for your specific situation.

Deposit requirements explained clearly

Foreign nationals typically need a deposit of 10-25% depending on visa type and lender. We explain exactly what is required for your situation upfront, so you can plan your purchase properly before starting your property search.

How it works

From first enquiry to mortgage offer, we handle everything. We know which lenders to approach for your specific visa and residency situation.

01

Tell us about your visa, residency, and income

We review your visa type, how long you have been in the UK, your income and employment, and your UK credit history. This gives us the full picture needed to identify the right lenders for you.

02

We identify lenders who will accept your application

We search 90+ lenders and shortlist those who lend to foreign nationals with your specific visa type and residency period. Approaching the wrong lender wastes time and creates unnecessary credit footprints.

03

We explain your options clearly

We present the best mortgage options available to you with rates, deposit requirements, and monthly costs explained in plain English. We make a clear recommendation based on your priorities.

04

We handle the full application

From submission to mortgage offer, we manage the process. Foreign national applications sometimes require additional documentation and we know exactly what lenders need to avoid delays. Most applications complete within 4-6 weeks.

Foreign national mortgage FAQs

Can I get a UK mortgage on a Skilled Worker visa?
Yes. Skilled Worker visa (formerly Tier 2) holders can get UK mortgages from a range of lenders. The key factors are how long you have been in the UK, your deposit size (typically 10-25%), and your income. Some lenders also want to see a minimum amount of time remaining on your visa. We identify the lenders most suitable for Skilled Worker visa applicants and advise on the best timing for your application.
I have pre-settled status. Can I get a mortgage?
Yes, though the options are narrower than for those with full settled status. Some lenders treat pre-settled status similarly to settled status, while others require full settled status before they will lend. We know which lenders are comfortable with pre-settled status and can often find competitive deals. If you are close to qualifying for settled status, we will advise on whether it is worth waiting.
I have only been in the UK for one year. Is it too soon to apply for a mortgage?
It depends on the lender. Some require two or three years of UK residency, while others are more flexible. If you have a strong income, a reasonable deposit of 25% or more, and some UK credit history, there are lenders who will consider applications from those who have been in the UK for 12 months or less. We advise honestly on whether you are ready to apply or whether waiting a short period would significantly improve your options.
Will my non-UK credit history count towards my mortgage application?
Generally no. UK mortgage lenders use UK credit reference agencies and cannot easily access overseas credit records. This means your credit history from your home country typically does not help your application, but it also does not hurt it. What matters is your UK credit history, however short. We advise on the best ways to build UK credit if your history is thin.
How much deposit do I need as a foreign national?
It varies by lender and visa type. Some lenders will offer 90% LTV mortgages to foreign nationals with certain visa types, particularly if income and employment are strong. Others require 15%, 20%, or 25% deposits. EEA nationals with settled status are often treated very similarly to UK citizens and may be able to access the same deposit requirements. We explain exactly what is needed for your specific situation before you commit to a property.
My partner is a UK citizen but I am not. How does that affect our mortgage application?
Having a UK citizen as a joint applicant generally makes the application more straightforward. Most lenders will assess the application on both incomes and the UK citizen's credit history provides a strong foundation. However, your visa status will still be taken into account and some lenders have criteria that affect joint applications where one applicant is a foreign national. We advise on the best approach for your specific joint application.

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Ready to get your UK mortgage?

Get your free consultation today. We understand foreign national applications and find lenders who take a sensible view of your situation.

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