Published 2026-07-10 · Visa Mortgage Guide

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) | | 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 — reported (June 2026) to have extended foreign-national lending to 95% LTV with just one year's UK residency and no minimum income; its own published criteria already confirm no minimum income and no minimum visa time. Confirm the current position with Hodge before relying on the 95%.
• 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.

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; 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.