Can I get a mortgage on a Skilled Worker visa?

Yes, many lenders accept Skilled Worker visa holders. Ideally you'll have 2+ years remaining on your visa and be on a path to ILR.

What deposit do visa holders need?

This varies by lender — from 5% to 25%+. A larger deposit opens more options and better rates.

Can I get a mortgage with pre-settled status?

Yes, most lenders accept pre-settled status. Some may require evidence of your application for settled status.

What happens to my mortgage if my visa isn't renewed?

The mortgage remains your responsibility regardless of your immigration status. Lenders assess the likelihood of renewal when deciding to lend.

Visa Holder Mortgages

Many visa holders can get UK mortgages — but lender criteria vary significantly. We find the right lender for your specific visa type and circumstances.

Can You Get a Mortgage on a UK Visa?

Yes, many visa holders can get UK mortgages, but the criteria depend heavily on your visa type, remaining duration, and right to remain. Lenders assess the risk of lending to someone who may need to leave the UK, so they look at visa validity, time remaining, and your likelihood of obtaining indefinite leave to remain (ILR) or citizenship.

Lenders who accept Tier 2, Skilled Worker, and spouse visas
Understanding of visa duration and renewal requirements
Pre-settled and settled status EU citizens supported
Higher deposits may unlock more options
100% fee-free specialist immigration mortgage advice

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Which Visas Are Accepted?

Most lenders accept Skilled Worker (formerly Tier 2) visas, particularly with 2+ years remaining. Spouse/partner visas, Ancestry visas, and EU pre-settled/settled status are also widely accepted. More restrictive visas (student, Tier 5) have fewer lending options but aren't impossible.

Visa Duration Requirements

Lenders typically want your visa to extend beyond the initial mortgage fixed rate period (usually 2-5 years). Some require a minimum of 1-2 years remaining, while others are more flexible if you can demonstrate a path to ILR. We match you with lenders whose criteria align with your visa timeline.

Deposit Requirements

While some lenders accept 5-10% deposits from visa holders, others may require 25%+ due to perceived additional risk. A larger deposit can significantly widen your lending options and improve your rate.

EU Citizens Post-Brexit

EU citizens with settled or pre-settled status are treated similarly to UK nationals by most lenders. Those with pre-settled status may need to demonstrate their intention to apply for settled status. We navigate these requirements for you.