SPECIALIST ADVICE
Visa mortgages
Visa type, time remaining, UK residency, deposit and credit history all affect lender choice. A short time in the UK does not automatically prevent an application.
Mortgage options for eligible UK visa holders
Visa type, time remaining, UK residency, deposit and credit history all affect lender choice. A short time in the UK does not automatically prevent an application.
Visa route
Check how the lender treats skilled-worker, spouse and other eligible visa categories.
Time remaining
Identify lenders whose minimum remaining-term requirement fits the application.
Deposit
Review whether the lender requires additional deposit where permanent residency is not held.
UK history
Build the case around address, employment, banking and credit evidence available in the UK.
Visa mortgages FAQs
Do I need indefinite leave to remain?
Not always. Some lenders accept eligible visas subject to their own deposit, residency and income requirements.
Can my partner’s income be included?
Potentially, subject to both applicants’ status, income evidence and the lender’s joint application rules.
What if my visa expires soon?
Options may be restricted. We review remaining term, extension prospects and current lender criteria.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Aaron assesses visa and residency cases, with local advisers supporting straightforward applications.