Reviewed 2026-07-13
Aldermore visa & foreign national mortgage criteria
Accepts foreign nationals
Case-by-case
Max LTV without ILR
No
Minimum time left on visa
2 months
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Case-by-case | — Non-EU/EEA nationals need ILR/settled status — a work visa alone is not accepted; EU/EEA nationals accepted with pre-settled or settled status; 2 years' UK residency for all |
| Max LTV without ILR | No | — Not available to non-EU/EEA applicants without ILR/settled status |
| Income requirement (foreign nationals) | Not published | — |
| Visa types accepted | Case-by-case | — |
| Minimum time left on visa | Yes |
|
| ILR (settled status) required | Yes | — For non-EU/EEA nationals; EU/EEA pre-settled status accepted |
| Deposit from overseas | Yes | — |
| Foreign income accepted | No | — Income received in a foreign currency is not acceptable |
| Builder gifted deposit | Yes | — |
| New-build max LTV | Yes |
|
| Max LTV (standard) | Yes |
|
Source: lender intermediary criteria, last verified 2026-07-10. Criteria change frequently — always confirm current policy with the lender or a broker.
Adviser's view
Read this one carefully, because Aldermore is the panel's clearest example of a lender that's flexible on income but strict on status. Its current criteria require non-EU/EEA nationals to hold indefinite leave to remain or equivalent settled status — a Skilled Worker or other time-limited work visa on its own is not accepted, and its guide states plainly that work eVisas don't count as proof of residency. EU and EEA citizens get an easier ride: pre-settled status is acceptable. Everyone needs two years' UK residency, and foreign-currency income isn't accepted at all.
So who is Aldermore actually for? Foreign nationals who have already secured ILR or settled status and whose income is the complicated part — self-employed, portfolio earners, imperfect credit picked up along the way. For that applicant, Aldermore's manual underwriting is genuinely valuable and its appetite is real.
If you're still on a time-limited visa, skip Aldermore for now and look at the lenders in our tables with explicit visa routes — then revisit once your status is settled. As always, criteria move: confirm the current position before applying.