Can I get a mortgage in the UK on a Skilled Worker visa?

Yes. WIS Mortgages arranges mortgages for Skilled Worker visa holders in the UK. We work with specialist lenders who accept Skilled Worker, Tier 2, Health and Care Worker, Spouse and BNO visa holders. Mortgage options are available from 5% deposit and from 6 months UK residency.

How much deposit do I need as a foreign national to get a UK mortgage?

WIS Mortgages works with lenders who accept foreign nationals and visa holders from as little as 5% deposit. WIS Mortgages recently secured a Halifax mortgage approval for a visa holder with exactly £5,000 deposit in 48 hours. Standard lenders typically require 10% to 25% deposit from foreign nationals.

How long do I need to have lived in the UK to get a mortgage on a visa?

WIS Mortgages works with lenders who accept applications from visa holders who have been in the UK for as little as 6 months. Some lenders require longer residency. The minimum residency requirement varies by lender and visa type.

Which visa types does WIS Mortgages accept for mortgage applications?

WIS Mortgages arranges mortgages for applicants on Skilled Worker visas, Tier 2 visas, Health and Care Worker visas, Spouse visas, BNO visas and other visa types. Each visa type has different lender criteria and WIS Mortgages can identify the right lender for your specific visa situation.

Can I get a mortgage as a foreign national with no indefinite leave to remain?

Yes. WIS Mortgages arranges mortgages for foreign nationals without indefinite leave to remain. Specialist lenders assess applications based on visa type, residency length, income and deposit rather than requiring settled status. WIS Mortgages has successfully arranged mortgages for visa holders across multiple visa categories.

Mortgages for Skilled Worker Visa Holders and Foreign Nationals

WIS Mortgages specialises in mortgages for Skilled Worker visa holders and foreign nationals in the UK. We work with specialist lenders who consider applications from Skilled Worker, Tier 2, Spouse, Health and Care Worker and BNO visa holders. Mortgage options may be available with as little as 5% deposit and from 6 months UK residency. We have handled over 4,000 mortgage applications including hundreds of visa holder cases across different visa types and income structures.

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Key Benefits

Access to UK Lenders:

Many lenders are open to visa holders with stable income and residency.

Tailored Support:

We understand the unique criteria and guide you through each step.

Competitive Rates:

Visa holders may qualify for standard mortgage products—not just specialist ones.

Expert Advice:

We provide Expert advice for non-UK residents.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Hold a valid UK visa (Skilled Worker, Spouse/Partner, Tier 2, Ancestry, etc.)
Have lived in the UK for at least 6–12 months
Are employed or self-employed with provable income
Have at least 12–24 months remaining on your visa (criteria varies by lender)

What are the Requirements?

Valid passport and visa documentation
Proof of income (payslips, contract, or accounts)
UK bank statements (typically 3–6 months)
Proof of deposit
Proof of address and ID
Credit history (UK credit)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

The Challenges

Limited UK credit history making it hard to access mainstream mortgage deals
Confusion about visa requirements and which lenders accept which types
Higher deposit demands from some lenders
Misunderstanding around the implications of limited leave to remain

How we help you

We work with lenders open to applicants on various visa types, including Tier 2 and Skilled Worker visas.
We guide you through the documentation and eligibility criteria, so you’re fully prepared.
We help identify mortgage deals with flexible deposit requirements suitable for your visa status.
We provide tailored advice based on your immigration and employment profile to enhance approval chances.

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How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

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

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes. Skilled Worker visa holders can apply for a mortgage in the UK. Some specialist lenders consider applications from Skilled Worker visa holders with as little as 6 months UK residency and as little as 5% deposit subject to income, credit conduct and lender criteria. Lender policies vary significantly so it is important to use a broker familiar with visa holder mortgage cases.

Deposit requirements for foreign nationals vary by lender and visa type. Some specialist lenders may accept as little as 5% deposit for Skilled Worker visa holders with stable UK employment and clean credit conduct. Others may require 10% to 25% depending on residency length, visa type and overall case profile.

Yes. Tier 2 is the former name for what is now the Skilled Worker visa. Applicants on this visa route can apply for UK mortgages subject to lender criteria. Requirements typically include proof of employment, payslips, bank statements, deposit evidence and visa documentation.

Yes in many cases. Some lenders accept overseas savings as a deposit for a UK mortgage but the source of funds must be clearly documented. You may need overseas bank statements, evidence of transfer into your UK account, translated documents where required and a clear paper trail showing where the money came from.

Not always. Some lenders may consider applicants without indefinite leave to remain depending on visa type, income, deposit, UK residency history and remaining visa length. Criteria vary between lenders so it is important to check which lenders may be suitable for your specific visa situation before applying.