Published 2026-07-20 · Visa Mortgage Guide · Written and reviewed by Phillip Wakeling-Smith (CeMAP)

Visa mortgage LTV league table: who lends at 90–95% without ILR in 2026

Quick answer: The gap between lenders has never been wider. Without indefinite leave to remain, some lenders cap you at 70–75% of the property price; others now go to 95%. On a £300,000 purchase that's the difference between finding £90,000 and finding £15,000. This table is why checking criteria before saving blindly matters more than any rate comparison.

The verified league table (major lenders)

Positions verified against each lender's published intermediary criteria on 10 July 2026 — full detail, conditions and sources on each lender's criteria page.

| Lender | Max LTV without ILR | The catch | |---|---|---| | Halifax | 95% | Via 5+ yrs' UK residency (no income test) or 1+ yr with £50k sole/£75k joint income; 75% otherwise | | Perenna | 95% | No FN restriction at all — but 18 months' residency, 12 months left on visa, £50k main-applicant income | | Santander | 90% | £50k sole/£75k joint with 1+ yr residency (£200k under a year); raised from 75% on 26 Jun 2026 — new-build included, extra evidence above 75% | | Barclays | ~90% | Reported no minimums at all — but Barclays blocks verification of its pages; confirm before relying | | Accord | 90% | One applicant earning £50k+; 75% without; above 90% needs ILR | | HSBC | 85% | 12 months' residency or £75k/£100k income as the entry route | | Nationwide | 85% | £50k sole/£75k joint income; 75% where not met; Graduate/Student visas excluded | | NatWest | 75% | Flat cap, repayment only — but one partner with settled status lifts it entirely on joint applications | | Kensington | 70% | Exception route only (£75k income, 2 yrs UK, 2+ yrs visa left); ILR otherwise (trade/older sources — confirm with lender) | | Aldermore | — | Non-EU/EEA applicants need settled status; a work visa alone isn't accepted |

The specialist movers pushing higher

Beyond the big names, 2025–26 saw a wave of building societies compete hard for visa-holder business:

• Hinckley & Rugby BS — 95% LTV, verified on its criteria pages: Skilled Worker, Health & Care, Global Talent, BNO and Ancestry visas; £41,700 minimum income for a single applicant, with no minimum income for applicants working in the NHS, private hospitals, or teaching roles; no minimum UK residency (though under 12 months caps you at 90%).
• Nottingham BS — 90% LTV, verified: an unusually wide visa list (including Family visas), overseas credit history read via a cross-border credit bureau covering 15 countries — note 90% needs UK or eligible overseas credit data (75% without), and its healthcare-income proposition launched as a pilot, so confirm it's still open when you apply.
• Dudley BS — a dedicated Skilled Worker range, verified: £30k minimum income, 12 months' residency, 12 months left on the visa (6 at offer), gifted deposits up to half the deposit; lending reported up to 90% LTV per its launch announcement.
• Hodge — 95% LTV, now verified against Hodge's own criteria guide (dated 16 June 2026): foreign nationals without ILR considered to 95% on Global Talent, Skilled Worker and Health & Care visas (spousal visa acceptable on a joint application), no minimum income, and under-12-months residency considered case-by-case. Loan caps step down by LTV (£750k at 95%, up to £3m at 75%) — and note new-build is excluded from the 95% band. The change was never press-released, so expect some brokers not to know about it.
• Darlington BS — 90% LTV, per its own published criteria: Skilled Worker and Health & Care visa holders get 90% LTV, no minimum visa time and no minimum income. A separate 95% figure floating around in trade coverage belongs to Darlington's "Own New Rate Reducer" scheme (ex-London) — that's a non-visa new-build product, not the visa-holder number, so don't rely on it here.
• Gen H — up to 90% LTV with minimum income around £18k sole/£20k joint and no minimum visa time remaining, according to its published broker criteria — confirm directly with Gen H before relying on the figures.
• Suffolk BS — raised its foreign-national LTV to 90% in January 2026 per trade coverage; confirm the current conditions on its criteria pages.
• Melton BS — launched a dedicated foreign-national range at 80% LTV in February 2026 per trade coverage — a lower ceiling than the leaders, but another society competing for this market; confirm conditions directly.

The same lenders, sorted by what unlocks the LTV

The league table answers "how high can I go?". Just as useful is the reverse question — what do I need to have for each tier to open. Four unlock types cover the whole market:

Nothing beyond an acceptable visa (the baseline). If you meet no other test, the market's floor is roughly 75%: NatWest's flat cap, and the fallback tiers at Halifax, Nationwide and Accord all sit there. A 25% deposit buys you lender choice even with no UK history to speak of.

Income. The market's magic number is £50,000 sole / £75,000 joint — cross it and Halifax (with a year's residency) opens 95%, Santander and Accord open 90%, Nationwide opens 85%. Santander adds a second, higher rung: £200,000 of income substitutes for residency entirely if you've been in the UK under a year. HSBC's income route runs £75k/£100k.

Time in the UK. Residency substitutes for income at several lenders: Halifax's five-year route reaches 95% with no income test at all; HSBC's entry route needs just 12 months; Santander's 90% band needs a year (below that, it's the £200k income rung). If you're close to one of these anniversaries, waiting a few months can beat saving for years — model it with what unlocks more lenders.

Profession. The quiet route to the top tier: Hinckley & Rugby's 95% carries no minimum income for NHS, private-hospital and teaching staff; Hodge's verified 95% has no minimum income on the main work visas; Darlington's 90% asks no minimum income or visa time on Skilled Worker and Health & Care. For lower earners in those fields, these beat every high-street income test.

(Perenna and Gen H are the outliers that fit none of the boxes neatly — Perenna imposes no foreign-national restriction at all, just residency/visa timing and £50k on the main applicant; Gen H's ~£18k minimum is the lowest income bar on the board.)

How to read all this

Three patterns worth internalising. First, income buys LTV: £50,000 is the magic number at Halifax, Santander, Nationwide, Accord and Perenna. Second, residency buys LTV where income can't: Halifax's five-year route and HSBC's 12-month route ask nothing about salary. Third, the specialists compete on acceptance, the banks on price — a 95% specialist rate will usually cost more than a 90% high-street rate, so bringing slightly more deposit sometimes beats chasing the highest LTV.

Run your own numbers through the eligibility checker — it applies these rules to your status and timings — and check the full criteria tables before shortlisting.

Verified 10 July 2026 against published intermediary criteria; Santander and Hodge positions re-verified against primary sources (lender announcements/criteria PDF) on 20 July 2026; attributed items noted inline. Criteria change monthly in this market — always confirm the current position with the lender or a whole-of-market broker. Information, not advice.