Residential Mortgage Secured for Visa Holders in East Sussex with Multiple Jobs

We recently helped a couple based in East Sussex purchase their family home- a new build property with an EPC rating of B. The property was ideal for their growing family with three children, and we were also able to secure them a green mortgage deal. But the path to approval wasn’t straightforward. With visa status, builder incentives, and income from two different jobs in play, the case required a tailored approach especially with only a few lenders willing to consider this type of profile at a 90% loan-to-value.

Client Profile:

• Ages: 49 and 43
• Visa status: Lived in the UK for over 3 years at the time of application; both with more than 2 years remaining on their visas
• Employment:
  • Applicant 1: Two jobs – one full-time overnight shift role as a care worker earning £21,566 per annum, and a second part-time job at a restaurant as a delivery rider earning £23,210 per annum
  • Applicant 2: Permanent NHS employee, earning £28,887 per annum
• Dependents: 3 kids

Property Details

• Location: East Sussex
• Property type: New build
• Energy rating: B
• Purchase price: £390,000
• Loan amount: £351,000
• Loan-to-value: 90%
• Deposit: 10% (5% from a builder incentive)

Key Challenges

• Visa status: Only a handful of lenders are willing to consider applicants on visas when the deposit is 10% or less
• Multiple jobs: Many lenders restrict or cap income from secondary employment, particularly where working hours are considered unsustainable. Applicant 1 was working a demanding full-time role and still covering 40+ hours at the restaurant each week.
• Affordability: A lender was needed that would accept 100% of income from both roles to meet affordability
• Builder incentive: 5% of the deposit came from the builder

Our Approach

We focused our search on lenders that:

• Specialise in complex income structures and second jobs
• Are open to visa applicants with smaller deposits
• Allow builder incentives to form part of the deposit
• Offer better interest rates for properties with good EPC ratings

We presented full evidence of both incomes, employer confirmations, and outlined the long-term sustainability of the applicants’ work patterns. The flexibility of shifts and the clients’ strong combined disposable income were key to the approval.

The Result

• Mortgage was approved at 90% LTV, with builder incentive accepted as part of the deposit
• Lender accepted 100% of income from both jobs, despite the working hours involved
• Clients benefited from a green mortgage deal
• The family secured a high-quality, energy-efficient home suitable for their needs

A great outcome, and one the clients were thrilled with

Compliance Notice

A mortgage is secured against your home. You could lose your home if you do not keep up with your mortgage repayments.

Need a Mortgage with a Complex Income or Visa?

We have helped plenty. Let’s have a chat with our specialist mortgage advisors.

• Call us: 0203 0111 986
• WhatsApp: 07822 013240

Important FCA Warning

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