Reviewed 2026-07-13
Bluestone visa & foreign national mortgage criteria
Accepts foreign nationals
Yes
Max LTV without ILR
up to 90% LTV
Minimum time left on visa
6 months
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Yes | — Skilled Worker and Health & Care visas |
| Max LTV without ILR | Yes |
LTV tiers by UK residency: 80% at 1 year, 85% at 2, 90% at 3+ |
| Income requirement (foreign nationals) | Yes | — £50,000 (assessed individually) |
| Visa types accepted | Case-by-case | — |
| Minimum time left on visa | Yes |
|
| ILR (settled status) required | No | — 1 year's UK residency minimum |
| Deposit from overseas | Yes | — |
| Foreign income accepted | Case-by-case | — |
| Builder gifted deposit | Yes | — |
| New-build max LTV | Yes |
|
| Max LTV (standard) | Yes | — |
Source: lender intermediary criteria, last verified 2026-07-11. Criteria change frequently — always confirm current policy with the lender or a broker.