Guides
Every visa mortgage guide we publish: Skilled Worker, spouse and Graduate routes, deposits without ILR, UK credit history and lender rules.
Low-deposit mortgages for visa holders: the 5%-and-under routes without ILR
A 5% deposit only works if a lender will lend 95% to your visa status. Which ones will, what the new £5k and 2% deposit products mean without ILR, and the true zero-deposit routes.
Visa mortgage LTV league table: who lends at 90–95% without ILR in 2026
A dated, verified table of how much each UK lender will lend to visa holders without settled status — from 70% to a full 95% — and the conditions attached.
BNO visa mortgages: buying a UK home on the Hong Kong BN(O) route
The BN(O) route's 5-year path to settlement makes it one of the stronger visa positions for UK mortgages — but deposit transfers from Hong Kong, frozen MPF savings and thin UK credit files need planning. What lenders actually look at.
Earned settlement and the 10-year ILR plan: what it means for your mortgage (tracker)
The government intends to double the standard route to settlement from 5 to 10 years. What's confirmed, what isn't, and how a longer wait for ILR changes mortgage planning for visa holders. Updated as the rules develop.
Can you use foreign income for a UK mortgage? Yes — but lenders haircut it differently
Foreign-currency salary, overseas bonuses, income from abroad: which UK lenders accept it, why some cut it by 20–25%, which currencies qualify, and how to evidence it.
No recourse to public funds and shared ownership: what visa holders can actually use
NRPF on your visa doesn't ban you from buying a home — or from shared ownership. What 'public funds' really covers, where scheme providers add their own rules, and how to check before you apply.
How much time must be left on your visa? The lender league table
Minimum months remaining on a visa, lender by lender — from 0 months at one end to 60 at the other, with the waivers and catches in between. Verified criteria, not folklore.
Graduate visa mortgages: the hard-mode visa, and the routes that still work
The Graduate visa is the toughest common UK visa to mortgage — it's short and some lenders exclude it outright. Here's what still works, verified lender by lender.
Spouse and partner visa mortgages: the mixed-status advantage most couples miss
How spouse and partner visa holders buying jointly with a UK-settled partner can unlock standard mortgage terms — including NatWest's 75% LTV cap lift, joint income thresholds, and the lender pool for mixed-status couples.
The Visa Mortgage Lottery: how the same buyer gets wildly different answers
New analysis: an identical visa-holder buying the same £300,000 home needs anywhere from £15,000 to £90,000 in deposit — depending only on which lender they ask. The full data.
The 10-year ILR rule and your mortgage: what 'earned settlement' means for visa-holder buyers
The government is doubling the standard route to settlement from 5 to 10 years — retrospectively. Here's what that changes for getting a mortgage on a visa, and what it doesn't.
New Build Boost for visa holders: buy a new build with 5% down and an 80% mortgage
Gen H's builder-backed scheme fills the gap between a 5% deposit and an 80% mortgage with an interest-free equity boost — and foreign nationals are its biggest user group.
NHS and Health & Care Worker visa mortgages: the lenders that treat your income properly
Agency shifts, banding, zero-hours contracts and enhancements confuse most lenders. These are the ones with criteria actually built for healthcare workers on visas.
Skilled Worker visa mortgages: the 2026 lender-by-lender reality
Yes — you can get a mortgage on a Skilled Worker (Tier 2) visa without ILR. Which lenders accept it, LTV caps, deposits, and how to strengthen your application.
The UK Visa Mortgage Handbook 2026
The complete guide to getting a UK mortgage as a visa holder or foreign national — status, deposits, income, credit, lender criteria and tools, verified against lender sources.
Zero-deposit mortgages for visa holders: the Perenna 95% + builder-gift route
How a Skilled Worker visa holder can buy a new-build house with no deposit of their own — Perenna's 95% mortgage plus a 5% builder gifted deposit, explained with the real criteria.