Aldermore mortgage criteria for UK visa holders

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	Yes	Note: Clear accepted categories are published (settled/pre-settled EU-EEA, ILR/biometric-RP/eVisa/Naturalisation-cert for Rest of World); Work eVisas explicitly excluded.
Minimum time left on visa	Yes	2 months left required
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	up to 90% LTV Note: 90% applies to new-build houses; new-build flats are capped lower at 85%.
Max LTV (standard)	Yes	up to 95% LTV Note: Tiered by risk level: Level 1 & 2 products available up to 95% LTV, Level 3 up to 80% LTV; max loan size £1m at 95% LTV. Official residential_criteria.pdf could not be read by WebFetch (binary/image-encoded).

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

—

Not available to non-EU/EEA applicants without ILR/settled status

Income requirement (foreign nationals)

Not published

—

Visa types accepted

Yes

Note: Clear accepted categories are published (settled/pre-settled EU-EEA, ILR/biometric-RP/eVisa/Naturalisation-cert for Rest of World); Work eVisas explicitly excluded.

Minimum time left on visa

Yes

2 months left required

ILR (settled status) required

Yes

—

For non-EU/EEA nationals; EU/EEA pre-settled status accepted

Deposit from overseas

Yes

—

Foreign income accepted

—

Income received in a foreign currency is not acceptable

Builder gifted deposit

Yes

—

New-build max LTV

Yes

up to 90% LTV
Note: 90% applies to new-build houses; new-build flats are capped lower at 85%.

Max LTV (standard)

Yes

up to 95% LTV
Note: Tiered by risk level: Level 1 & 2 products available up to 95% LTV, Level 3 up to 80% LTV; max loan size £1m at 95% LTV. Official residential_criteria.pdf could not be read by WebFetch (binary/image-encoded).

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.