How Skilled Worker Visa Holders Can Secure a UK Mortgage

If you're in the UK on a Skilled Worker Visa, you might be wondering: Can you get a mortgage as a Skilled Worker Visa holder? The short answer is yes—many lenders do offer mortgage products to eligible visa holders. However, the process often involves additional checks and documentation. This guide outlines what you need to know about obtaining a Skilled Worker Visa mortgage, including general eligibility criteria, documentation requirements, and lender types.

Important: This guide is for informational purposes only and does not constitute financial advice. You should seek advice from a qualified mortgage adviser authorised by the Financial Conduct Authority (FCA) before making any decisions.

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Quick Answer Summary

Yes, Skilled Worker Visa holders can access mortgage products in the UK, although eligibility criteria may differ from those for UK or settled residents. You will typically need:

• A valid visa with at least 12 months remaining
• Proof of employment and income in the UK
• A deposit of 5% to 25% (depending on lender and product)
• Some UK credit history (though not always mandatory)

Who Qualifies as a Skilled Worker Visa Holder?

The Skilled Worker Visa replaced the former Tier 2 visa system. To meet the general mortgage eligibility criteria, you'll need:

• A valid Skilled Worker Visa
• A job offer from a UK employer listed as a sponsor
• A salary that meets the visa threshold (£25,600+ for most roles)
• A Certificate of Sponsorship from your employer

Eligibility for a mortgage will still depend on lender criteria and affordability assessments.

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Available Mortgage Types

Residential Mortgages

• Repayment or interest-only options
• Fixed-rate mortgages (typically 2–5 years)
• Tracker or variable-rate products

Buy-to-Let Mortgages

Some lenders may offer buy-to-let mortgages, although stricter criteria often apply, including higher deposits and rental income stress testing.

Note: Buy-to-let mortgages are not regulated by the FCA unless the borrower or a close family member intends to live in the property.

Key Requirements

Visa Status

• Lenders may require a minimum of 12–24 months remaining on the visa at the time of application.
• Longer remaining terms may improve product availability.

Deposit Requirements

• Standard deposit requirement is 15–25% for non-UK residents.
• Some high-street lenders may accept a 5% deposit under specific schemes.
• Gifted deposits may be accepted, subject to anti-money laundering checks.

Income Verification

• 3–6 months of UK payslips
• Employment contract and reference from employer
• Some lenders may accept foreign income if evidenced appropriately

Applying With Less Than 3 Years in the UK

If you have less than 3 years of UK residency, some specialist lenders may still consider your application. Be prepared for:

• Higher deposit requirements (e.g., 20–25%)
• Acceptance of overseas credit data (in some cases)
• Alternative affordability evidence
• Employer-backed guarantees (rare but possible)

Overcoming Common Challenges

Challenge	Possible Solution
Limited UK credit history	Use lenders that accept international credit data or alternative verification
Short visa duration	Select shorter-term mortgages or remortgage later
Foreign income	Provide documented income with translations and currency evidence
High deposit expectations	Consider gifted deposits or shared ownership schemes

Step-by-Step Application Process

1. Check your eligibility – Consider using online calculators or consult an adviser
2. Prepare documentation – Visa, ID, payslips, contracts, and bank statements
3. Compare lenders – Explore both high-street and specialist options
4. Request an Agreement in Principle (AIP) – Helps when making offers on property
5. Submit a full application – Include all required documents
6. Valuation – The lender will assess the property's value
7. Mortgage offer issued – Typically within 2–4 weeks
8. Completion – Legal work finalised and funds transferred

Frequently Asked Questions

Can Skilled Worker Visa holders buy property in the UK?

Yes, there are no restrictions preventing visa holders from buying property. However, obtaining a mortgage will depend on individual circumstances and lender policies.

What's the minimum income required?

The minimum salary under visa rules is typically £25,600. Some mortgage lenders may require higher or lower thresholds depending on the product.

Do I need a UK credit history?

While helpful, a UK credit history is not always mandatory. Some specialist lenders will consider other forms of evidence.

Can I remortgage later?

Yes, subject to continued eligibility and affordability. You may wish to consult a mortgage adviser before your current deal ends.

The Role of a Specialist Mortgage Broker

An independent mortgage broker experienced in working with visa holders can help you:

• Identify appropriate lenders
• Understand and navigate eligibility criteria
• Submit strong applications with correct documentation
• Access potentially better terms and rates

Please note: Mortgage advisers must be authorised and regulated by the FCA to give advice.

Risk and Regulatory Warning

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

This article does not constitute regulated financial advice. Always seek advice from a mortgage adviser who is authorised by the Financial Conduct Authority (FCA) before proceeding with any mortgage application.