UK lender criteria for visa holders

We track 92 lenders — 71 will consider foreign nationals, 17 case-by-case, 4 won't.

Compare at a glance

Lender comparison table — visa mortgages
Lender	Accepts FN			Income requirement
HSBC	Yes	85%	1 mo	£75k sole / £100k joint — as an alternative to the 12-month residency requirement, not an absolute floor
Barclays	Yes	90%	60 mo	—
NatWest	Yes	75%	6 mo	No foreign-national-specific income floor
Santander	Yes	90%	3 mo	£50k sole / £75k joint with 1+ year UK residency; £200k (sole or joint) under 1 year
Halifax	Yes	95%	—	£50k sole / £75k joint for the 1-year-residency route (cut from £75k/£100k in Nov 2025)
Nationwide	Yes	85%	12 mo	£50k sole / £75k joint primary basic income (bonus/overtime excluded from the threshold test)
Accord	Yes	90%	6 mo	£50k+ (at least one applicant) unlocks 90% LTV without ILR
Kensington	Case-by-case	70%	24 mo	£75,000 for the no-ILR exception route (trade sources — confirm)
Perenna	Yes	95%	12 mo	£50,000 — main applicant alone; joint income cannot be combined to reach it
Aldermore	Case-by-case	—	2 mo	—
Hodge	Yes	95%	—	No minimum income required (reported June 2026)
Hinckley Rugby BS	Yes	95%	—	£41,700 single applicant; no minimum for NHS, private hospital or teaching roles
Vida	Yes	90%	—	£50k sole / £70k joint (up to 4 applicants)
Bluestone	Yes	90%	6 mo	£50,000 (assessed individually)
Nottingham BS	Yes	90%	0 mo	No FN-specific minimum (general 5.5x income multiple needs £60k)
Generation Home	Yes	90%	—	—
Pepper	Case-by-case	—	12 mo	—

Data reviewed 2026-07-13.