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Mortgages for Visa Holders

Specialist mortgage solutions for international professionals and visa holders in the UK

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International Support
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Table of Contents

Understanding Visa Holder Mortgages

Securing a mortgage in the UK as a visa holder is possible with the right documentation and guidance. Whether you're on a Tier 2 (Skilled Worker) visa, graduate visa, or another form of temporary residency, specialist lenders may be able to assist.

Unlike standard mortgage assessments, these lenders consider factors unique to visa holders, such as:

  • Visa type and time remaining
  • Employment status and income stability
  • Residency history and credit profile
Risk Warning: Your home may be repossessed if you do not keep up repayments on your mortgage. We are a credit broker, not a lender. We may receive a commission from lenders.

Eligible Visa Types

Understanding which visa types are eligible for mortgages is crucial. Here's a breakdown of the most common visa types and their requirements:

Visa Type Minimum Duration Ideal Scenario
Tier 2 (Skilled Worker) 6–12 months Indefinite Leave to Remain or long-term visa
Graduate Visa 6–12 months 2+ years with a stable history
Other Temporary Residency 6–12 months 2+ years with a stable history
Visa Types for Mortgages
Mortgage Requirements

General Requirements

While visa type is important, lenders also consider other factors when assessing mortgage applications from visa holders:

Factor Minimum Requirement Ideal Scenario
Income £25,000+ annual income £35,000+ with stable employment
Credit History Fair Good UK-based credit score
Important Note

Testimonials reflect individual experiences. Results vary depending on personal and financial circumstances. We recommend speaking with one of our mortgage specialists to understand how these products might work for your specific situation.

Application Process

1

Documentation

Lenders may ask for:

  • Passport and current visa (or BRP)
  • Employment contract and recent payslips
  • Bank statements (typically 3–6 months)
  • Proof of address and utility bills
2

Affordability Assessment

Many lenders will calculate how much you can borrow based on your annual income and stability of employment.

Illustrative Example: £30,000 salary × 4.5 income multiple = £135,000 borrowing capacity This is an estimate and not a mortgage offer.
3

Matching with the Right Lender

We compare:

  • High-street lenders (with standard visa criteria)
  • Specialist mortgage providers
  • Brokers with experience in non-resident applications

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

Why Choose Us?

Expert Knowledge

  • Over a decade of experience helping visa holders secure UK mortgages
  • Personalised guidance tailored to your visa type, employment, and financial situation
  • Free initial consultation with no obligation to proceed
Note: Testimonials reflect individual experiences. Results vary depending on personal and financial circumstances.

Ready to Get Started?

Book a free consultation with one of our mortgage specialists today

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Frequently Asked Questions About Visa Holder Mortgages

Yes, many lenders accept applications from visa holders, provided you meet criteria related to income, visa duration, and creditworthiness.

Most lenders require at least 10–25% of the property's value. The exact amount depends on your visa type, income, and credit status.

Yes. You need a credit footprint in the UK for at least 6 months

No, owning property does not automatically lead to permanent residency or visa extensions. Always consult an immigration adviser for guidance.

Important Information and Regulatory Disclosure

Risk Warning: Your property may be repossessed if you do not keep up repayments on your mortgage.
Adviser Disclosure: This content is for general information only and does not constitute personalised financial advice. Mortgage advice will be offered after reviewing your individual circumstances.
Fee & Commission Disclosure: We act as a mortgage intermediary and may receive commission from lenders. Any fees payable for advice will be disclosed in advance.
FCA Authorisation: This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.
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WIS Mortgages and Protection Services is a trading name of WIS Contractor Mortgages Limited who is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK, and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA's website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. Our Financial Services Register number is 824411

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority therefore you may not have the same consumer protection with these mortgages as they are considered a business transaction.

Registered in England and Wales with company registration number 11496588 the registered address is 4 Imperial Place, Maxwell Road, Borehamwood, England, WD6 1JN.

We are a credit broker, not a lender and information on our charges can be found here

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments