Foreign National Mortgage Advice
If you are looking to get a mortgage as a foreign national living in the UK on a visa then we may be able to help you.
Get startedGetting a mortgage when on a visa in the UK is not as straightforward as it is for those who have permanent residency or British citizenship. However, with careful research, it is possible to secure a mortgage even if you are living in the UK on a visa.
There are several types of visas which allow people to stay in the UK for extended periods of time. These include Tier 2 (Work) Visas, Tier 4 (Student) Visas and Tier 5 (Youth Mobility Scheme) Visas. Each one has different eligibility criteria and requirements for applicants from outside of the European Economic Area.
Mortgage advice for foreign nationals in the UK
At Premier Mortgage Services we can help you to find the right mortgage product and then make the application.
When applying for a mortgage as a visa holder, it’s important that you have all relevant documents ready. In addition to the standard payslips and bank statements you are going to need to show which visa you are on and the date it expires. Whilst most lenders are likely to need applicants to have a permanent residency, there are lenders that will consider applicants on a visa. Which lender to approach will depend on whether you have been in the country some years, or whether the visa has been renewed and whether there is a minimum time remaining on the visa.
Having a spouse on the mortgage who is British or does have Permanent Right to Reside will also be viewed favourably. In certain circumstances a larger deposit might be required
Finding a property as a foreign national
If you are wanting a mortgage, you should look to get a mortgage approved before you find a property. Your situation needs to be looked at in detail to find how much you might be able to borrow and how much deposit you are going to need. Your best option is to speak to a qualified mortgage broker.
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In 2022 we celebrated 30 years of providing first-class whole of market mortgage advice to clients across the UK surpassing £2 billion pounds of client borrowing with the UK's most respected banks, building societies and specialist mortgage lenders.
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Premier Mortgage Services is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for arranging your mortgage and the precise amount will depend on your circumstances. Our initial consultations are free, always.
Your home may be repossessed if you do not keep up repayments on your mortgage.