Foreign Nationals

We are here to help make the dream of home ownership a reality!

Getting a mortgage to own your own home without Indefinite Leave to Remain may seem like an impossible dream but there are lenders who will consider these types of application depending on certain criteria.

You may be a skilled worker on a Tier 2, Health and Care Worker or have a Spouse Visa. Lenders will work in in a similar way to mortgages for UK nationals but will want to know the following:

• The length of time remaining on your visa
• How long you have lived in the UK
• You have a UK bank account
• You have built up a sufficient credit score

 

We explore the market and have instant access to lender’s criteria to help you find the mortgage you need:

95% mortgages available subject to credit score

No minimum time in the UK

No minimum income requirements

Same day decision in principle

Soft footprint at decision in principle stage

Completely tailored advice

It is always a good idea to check your credit report before applying to make sure there are no surprises further along the way.

Each lender uses different agencies including Experian, Equifax, TransUnion and so we recommend getting your credit report from www.checkmyfile.com as this covers all the main agencies in one report. Credit files are normally offered free for the first 30 days so please check the charges before proceeding.

Get in touch to start exploring your options.