Guides
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
Which lenders accept Skilled Worker visa holders, how much they'll lend without ILR, dedicated visa products, 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.
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.
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.