How to Get a UK Mortgage on a Skilled Worker Visa (Tier 2) in 2025

Key Takeaways

• Skilled Worker (Tier 2) visa holders can now access most UK mortgage products, with approval rates rising as lenders grow more confident in foreign national applicants.
• Deposit requirements vary by time in the UK often 10–25% for newcomers, dropping to as low as 0% after two years’ residency.
• High street banks like Barclays, HSBC, Nationwide, and Halifax do consider Skilled Worker visa applicants, but specialist lenders and building societies often provide more flexible terms.
• Documents required include proof of visa, employment, income, deposit source, and UK credit history. A strong paper trail, especially for overseas funds, is critical.
• Buy-to-let and joint applications are possible, though deposits are higher for investment properties. Spouses and up to four applicants can be added to a mortgage.
• Common pitfalls include applying too soon, not registering on the electoral roll, or relying on cash deposits.
• Using a specialist mortgage broker can significantly improve approval chances by matching applicants with visa-friendly lenders and presenting the case effectively.

Can Foreign Nationals Get a Mortgage in the UK on a Skilled Worker Visa?

Yes. Many UK lenders now offer mortgages to Skilled Worker (Tier 2) visa holders. Approval rates are higher than before, but requirements can differ from those for permanent residents. A specialist mortgage broker could improve your chances.

What Is a Skilled Worker Visa Mortgage?

A Skilled Worker visa mortgage is a standard UK home loan available to foreign nationals working in the UK under the Skilled Worker (formerly Tier 2) visa scheme. While lenders may see applicants as higher risk, the products are the same: fixed, variable, or tracker mortgages.

Skilled Worker Visa Mortgage Approval: What Do Lenders Look For?

Lenders typically want:

• 12–24 months UK residency (some specialist lenders accept less).
• 2+ years remaining on your visa (or proof of extension/ILR).
• 3–6 months in your current job with a UK employer.
• Income within affordability limits (usually 4–5.5x annual salary).
• A UK credit history with no recent major issues.
• Saying all that, we have seen many exceptions.

How Much Deposit Do I Need on a Skilled Worker Visa Mortgage?

Tip: NHS staff, teachers, and other key workers may get more favourable terms from specialist lenders.

Best Lenders for Skilled Worker Visa Mortgages in the UK

• High Street Banks: Barclays, HSBC, Nationwide, and Halifax.
• Specialist Lenders: Flexible on residency length and deposits.
• Building Societies: Often more personal, with competitive terms.

What Documents Do I Need for a Skilled Worker Visa Mortgage?

• Passport + Skilled Worker visa/BRP.
• Employment contract + payslips (3–6 months).
• UK bank statements.
• Proof of deposit (savings or gifted funds).
• UK credit report.
• Self-employed: SA302s, HMRC overviews, accountant’s letter.

Can I Get a Buy-to-Let Mortgage on a Tier 2 Visa?

Yes, but expect stricter conditions:

• Higher deposits (25–40%).
• Rental income stress tests.
• Preference for applicants with existing UK property experience.

Can Skilled Worker Visa Holders Use Overseas Money for a Mortgage Deposit in the UK?

Yes, Skilled Worker visa holders can use overseas savings for a UK mortgage deposit, provided the source of funds is fully documented.

• Need to show an audit trail on how the deposit reached your UK bank account.
• Overseas bank statement for the source of funds must be furnished.
• Cash deposits will not be accepted unless exceptional circumstances.

Can I Use a Loan for the Deposit on a Skilled Worker Visa Mortgage?

Generally, no, but we have seen exceptions. However, the loan can affect the amount you can borrow.

How Much Can I Borrow on a Skilled Worker Visa Mortgage?

Most lenders offer 4–5.5x annual income. Certain professions (doctors, lawyers, finance) may be eligible for up to 6x salary multiples.

Affordability calculator

Can I Get a Mortgage as a Foreign National in the UK With Bad Credit?

Yes, but it’s more difficult. Expect:

• Fewer lender options.
• Higher deposits (15–25%).
• Higher interest rates.

Specialist lenders may still approve applications if your current finances are stable.

How Long Does a Skilled Worker Visa Mortgage Take?

• Advice & lender selection: 1–2 days.
• Application preparation: 3–5 days.
• Lender decision: 5–15 working days.
• Completion: 4–8 weeks.

Can I Add My Spouse or Partner on a Skilled Worker Visa Mortgage?

Yes, you can add your spouse or partner to a Skilled Worker visa mortgage. Most lenders allow up to four applicants on a joint mortgage, provided all incomes and visa conditions meet affordability checks.

Real Example: Skilled Worker Visa Mortgage Approval in 2024 Case Study

An NHS nurse secured a mortgage jointly with her husband who had two jobs. High street lenders had said no because he worked seven days a week, including evenings. They had two children and wanted a 40-year mortgage, which would take repayments up to age 75. They had only lived in the UK for one year and had a 10% deposit, making it a 90% loan. Approved in four days.

Do Skilled Worker Visa Holders Pay Higher Mortgage Fees?

No. Fees (legal, valuation, arrangement, broker) are the same as for UK citizens. There are no extra charges because of your visa status.

When Is the Best Time to Apply for a Skilled Worker Visa Mortgage?

Apply when you have:

• 2+ years left on your visa.
• 6+ months in your current job.
• A UK credit history of at least 12 months.

Can I Improve My Credit Score as a Skilled Worker Visa Holder?

The most important thing is don’t miss any payments and settle all financial commitments on time. Other tips:

• Register on the voter’s roll.
• Set up all your payments on direct debits.
• Having a credit card is good provided it’s under control.
• Do not borrow money unless it’s really needed.

Why Use a Mortgage Broker for Skilled Worker Visa Applications?

A skilled worker visa mortgage broker can:

• Identify visa-friendly lenders.
• Reduce deposit requirements by matching you with the right bank.
• Present your case effectively (job security, visa extension plans).
• Speed up approvals.

What Mistakes Should Skilled Worker Visa Holders Avoid When Applying for a Mortgage in the UK?

Many Skilled Worker (Tier 2) visa applicants lose time or face rejection because of avoidable errors. The most common mistakes include:

• Applying too soon – without building at least some UK credit history.
• Not registering on the electoral roll – this simple step boosts your credit score.
• Choosing the wrong lender – not all banks are visa-friendly, so approvals can be delayed or denied.
• Applying too close to visa expiry – lenders want reassurance you’ll remain in the UK.
• Poor paperwork preparation – missing payslips, bank statements, or proof of deposit slows the process.
• Relying on cash deposits – these are rarely accepted without a clear audit trail.

Pro Tip: Work with a mortgage broker experienced in Skilled Worker visa applications. They can guide you away from these pitfalls and towards lenders more likely to approve your case. If you’d like tailored advice, call us on 020 3011 1986, we’re happy to help.

Please watch our detailed video that covers the subject in more detail: Watch Video

Important FCA Warning
As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.

*Important Information- Your home may be repossessed if you do not keep up repayments on your mortgage.
This guide is for general information purposes only and does not constitute financial or mortgage advice. Always seek independent, regulated advice based on your individual circumstances. Product availability, eligibility criteria, and terms may change. Information is correct as of September 2025*