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Yes, Skilled Worker Visa holders can apply for a UK mortgage. Requirements may differ between lenders, but typically include:

• A valid visa with sufficient remaining time
• Proof of UK-based employment and income
• Proof of UK-based employment and income
• Some UK credit history (helpful but not always essential)

Important: Lending criteria vary between providers and are subject to change. Mortgage approval is not guaranteed and depends on individual circumstances.

Eligibility for Skilled Worker Visa Mortgages

Basic Requirements

• A valid Skilled Worker Visa (previously Tier 2)
• At least 12 to 18 months remaining on the visa
• A permanent employment contract in the UK
• A minimum income of £25,600+, though this may vary by lender and region

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Can I Buy a House on a Skilled Worker Visa?

Yes. There are no legal restrictions preventing visa holders from purchasing property in the UK. However, not all mortgage providers cater to visa holders, and some may offer less favourable terms.

Note: You may find more options by using lenders who specialise in expatriate or visa-holder mortgages.

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Mortgage Options Available

Residential Mortgages

These are standard home loans, typically available as:

• Fixed-rate mortgages (commonly 2–5 years)
• Tracker mortgages
• Discount variable rate mortgages

Buy-to-Let Mortgages

You may apply for a Buy-to-Let mortgage if you intend to let out the property, but some lenders may have restrictions for non-permanent residents.

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Special Considerations

Scenario	Implication
Less than 3 years in the UK	Some lenders accept this, but a larger deposit is often needed
Limited UK credit history	Specialist lenders may consider overseas credit history
Short visa length	Mortgage term may need to match visa length
Foreign income	Some lenders accept it, though UK income is usually preferred

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Required Documents

Immigration and ID Documents:

• Skilled Worker Visa
• Passport
• Biometric Residence Permit (BRP)
• Visa approval letter

Employment Documents:

• Employment contract
• 3–6 months of payslips
• Employer reference letter (if requested)

Financial Documents:

• 3–6 months of UK bank statements
• Proof of deposit
• Overseas income documents (if applicable)

Proof of Address:

• Utility bills
• Rental agreement or council tax bills

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Step-by-Step Application Process

1. Assess Eligibility – Use a mortgage calculator or speak to an adviser
2. Prepare Documentation – Ensure all relevant documents are gathered
3. Research Lenders – Compare options, including specialist providers
4. Agreement in Principle (AIP) – This helps when viewing properties
5. Submit Full Application – Once you’ve found a property
6. Property Valuation – Arranged by the lender
7. Receive Mortgage Offer – Typically issued within 2–4 weeks
8. Completion – Finalise purchase with your solicitor

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FAQs

Can I get a mortgage with less than 3 years in the UK?

Yes, though typically through specialist lenders. A higher deposit (20–25%) may be needed.

What’s the minimum deposit required?

This depends on your visa status, credit history, and lender. Expect between 5% and 25%.

Does visa length affect mortgage terms?

Yes, most lenders prefer a visa with at least 12–18 months remaining.

Can I use overseas income?

Yes, some lenders accept 100% foreign income, though UK-based income is preferred.

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Final Thoughts

While obtaining a mortgage on a Skilled Worker Visa involves more steps, many visa holders successfully secure property finance each year. Preparation and choosing the right lender are key to improving your chances.

WIS Mortgages offers tailored advice for Skilled Worker Visa holders and can connect you with lenders familiar with your circumstances.

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Regulatory Warning (FCA-Required):

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

Always seek regulated financial advice before entering into a mortgage agreement. Lending is subject to status, affordability, and lending criteria.

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