Visa mortgage deposit calculator
Based on verified foreign-national lending criteria (verified 2026-08-19), see the minimum deposit each of the 10 lenders we track would ask for at your status and income.
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: £350,000 purchase, sole applicant on £45,000
Skilled Worker visa, 18 months in the UK, 24 months left on the visa, £45,000 sole income.
- Barclays: 90% LTV, so £35,000 deposit — no minimum residency, income or visa-time rules reported
- HSBC: 85% LTV, so £52,500 deposit — HSBC's non-ILR route caps at 85%
- Halifax: 75% LTV, so £87,500 deposit — below Halifax's residency/income routes — capped at 75%
Barclays' figure is broker-corroborated, not directly published — confirm with the lender.
Change the inputs below to model your own numbers.
Same purchase, joint application (£45,000 + £35,000)
Same visa/residency position, but applying jointly with a partner earning £35,000 — combined income £80,000.
Adding a partner's income unlocks a materially smaller deposit at income-gated lenders: Halifax drops to £17,500 (95% LTV) and Santander to £35,000 (90% LTV) — both were capped at 75% on the sole-applicant income above.
Change the inputs below to model your own numbers.
Between £50,000 and £5,000,000.