Visa mortgage eligibility checker
We track 92lenders' foreign-national criteria. Answer three questions to see how many would consider you.
This is an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee any lender will lend to you.
Worked example: Skilled Worker visa, 18 months in the UK, 24 months left on the visa
On a work visa, lived in the UK 18 months, with 24 months remaining before the visa needs renewing.
36 of 92 lenders we track are likely to consider this application, 12 more would treat it case-by-case, and 44 are unlikely to lend.
Some lenders want 18–24 months' UK residency for their best terms.
Change the inputs below to model your own numbers.
What's your immigration status?
FAQ
What does "case-by-case" mean here?
The lender doesn't publish a firm yes/no for your situation — an underwriter decides individually, usually based on income, deposit size or how long you've had the visa. It's not a rejection, but it's not a guaranteed yes either.
Why do some lenders need a minimum time left on my visa?
Lenders want assurance you'll still have the right to work and reside in the UK well into the mortgage term (or at least past the initial product period). A visa with only a few months left makes that harder to demonstrate, even if you intend to renew it.
Planning around your visa dates? Use the visa timeline planner →
Paid in a foreign currency? See how lenders read it →