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A guide for Visa Holders


Are you considering purchasing property in the UK but unsure about the possibility of obtaining a mortgage with your visa status? Rest assured, it is indeed feasible to secure a mortgage in the UK as a visa holder. However, the process may come with its own set of challenges and requirements that you need to be aware of.

First and foremost, it's important to understand that the mortgage application process for foreign nationals is akin to that of UK citizens. However, there are certain nuances and additional documentation that you may need to provide to satisfy the lender's requirements.

Visa Duration

Lenders typically prefer applicants to have a minimum of 12 months remaining on their visa. Having a longer duration or assurance of visa renewal from your employer can enhance your mortgage prospects.

Credit Score

Building a good credit score in the UK is crucial. While some lenders may accept a year's credit history, others may require evidence of responsible credit usage spanning 2 to 5 years. This underscores the importance of establishing creditworthiness during your time in the UK.

Affordability Criteria

Affordability checks for visa holders tend to be stringent, often necessitating a higher salary, typically exceeding £100,000. Consulting with an experienced mortgage broker can help identify lenders whose criteria align with your financial profile.

Deposit Size

Visa holders may be required to provide a larger house deposit, typically ranging from 15% to 25% of the property's value. Additionally, some lenders may require proof that the deposit stems from your own income rather than being gifted.


While the path to securing a mortgage in the UK as a visa holder may present hurdles, it's certainly feasible with the right approach and preparation. With careful consideration of the requirements and expert guidance, you can turn your homeownership aspirations into reality in the vibrant landscape of the United Kingdom.