What ILR does to your mortgage — lender by lender
Gaining ILR or settled status doesn't just remove a hurdle at some lenders — at others it unlocks a meaningfully higher LTV, and therefore a smaller deposit. See the jump at each of the 17 lenders we track, based on criteria verified 2026-07-13.
This is an information tool, not advice: it doesn't assess when you'll qualify for ILR or guarantee any lender's decision.
Worked example: the biggest jump we track is at NatWest
NatWest's published non-ILR LTV vs its standard-limits LTV, on a £300,000 purchase.
NatWest caps foreign nationals without ILR at 75% LTV. Once you have ILR or settled status, that rises to 95% LTV — a 20-point jump. On a £300,000 purchase that's roughly £60,000 less deposit needed.
7 of the 17 lenders we track show a clear LTV jump like this once ILR is granted — see the full table below.
Change the inputs below to model your own numbers.
7 of the 17 lenders we track offer a clear LTV jump once you have ILR/settled status.
Gaining ILR unlocks a higher LTV
- NatWestLTV jump+20pt
75% without ILR → 95% with ILR
Gaining ILR/settled status unlocks up to 95% LTV here, up from 75% — a 20pt jump.
- HSBCLTV jump+10pt
85% without ILR → 95% with ILR
Gaining ILR/settled status unlocks up to 95% LTV here, up from 85% — a 10pt jump.
- VidaLTV jump+7pt
90% without ILR → 97% with ILR
Gaining ILR/settled status unlocks up to 97% LTV here, up from 90% — a 7pt jump.
- NationwideLTV jump+5pt
85% without ILR → 90% with ILR
Gaining ILR/settled status unlocks up to 90% LTV here, up from 85% — a 5pt jump.
- AccordLTV jump+5pt
90% without ILR → 95% with ILR
Gaining ILR/settled status unlocks up to 95% LTV here, up from 90% — a 5pt jump.
- Nottingham BSLTV jump+5pt
90% without ILR → 95% with ILR
Gaining ILR/settled status unlocks up to 95% LTV here, up from 90% — a 5pt jump.
- Generation HomeLTV jump+5pt
90% without ILR → 95% with ILR
Gaining ILR/settled status unlocks up to 95% LTV here, up from 90% — a 5pt jump.
Already at the ceiling either way
- SantanderAlready at ceilingno uplift
90% without ILR → 90% with ILR
Already at this lender's standard 90% LTV ceiling without ILR — no additional uplift from gaining it.
- PerennaAlready at ceilingno uplift
95% without ILR → 95% with ILR
Already at this lender's standard 95% LTV ceiling without ILR — no additional uplift from gaining it.
- HodgeAlready at ceilingno uplift
95% without ILR → 95% with ILR
Already at this lender's standard 95% LTV ceiling without ILR — no additional uplift from gaining it.
- Hinckley Rugby BSAlready at ceilingno uplift
95% without ILR → 95% with ILR
Already at this lender's standard 95% LTV ceiling without ILR — no additional uplift from gaining it.
Low-confidence — exception route only
- KensingtonLow-confidence
70% without ILR → 95% with ILR
Non-ILR lending here is exception-route/case-by-case (a 'refer', not a firm 'yes') — treat the figures as illustrative, not a guaranteed outcome.
Exception route only (see above) — confirm with lender
Data incomplete — confirm with the lender
- BarclaysConfirm with lender
90% without ILR → — with ILR
This lender's standard-limits LTV ceiling has a published verdict but no LTV figure — confirm current policy directly.
- BluestoneConfirm with lender
90% without ILR → — with ILR
This lender's standard-limits LTV ceiling has a published verdict but no LTV figure — confirm current policy directly.
ILR or settled status effectively required
Excluded — data inconsistency
- HalifaxData unreliable
95% without ILR → 85% with ILR
Data inconsistency: the published with-ILR LTV (85%) is LOWER than the non-ILR LTV (95%), which shouldn't happen — excluded pending reconfirmation with the lender rather than shown as a negative jump.
Get the full breakdown by email
We'll send the complete lender-by-lender ILR breakdown and keep you posted as criteria change.
Indicative only, based on lender criteria verified 2026-07-13. LTV ceilings depend on product, loan size and affordability as well as immigration status. "Excluded" means our data for that lender looks internally inconsistent — we'd rather show nothing than a wrong number. Information, not advice.
See what staying costs in the meantime with the visa-cost affordability bridge, check your deposit today with the deposit calculator, or see what a wide lender panel might offer with the eligibility checker.