Bluestone mortgage criteria for UK visa holders

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	up to 90% LTV 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	6 months left required
ILR (settled status) required	No	— 1 year's UK residency minimum
Deposit from overseas	Yes	—
Foreign income accepted	Case-by-case	—
Builder gifted deposit	No	Notes: Deposit source is restricted to own resources or a close-relative gift; a builder/developer-gifted deposit does not fit either category, contradicting stored 'yes'.
New-build max LTV	Yes	up to 95% LTV
Max LTV (standard)	Yes	up to 90% LTV Note: Clear credit tier increased from 85% to 90% LTV across the standard residential range. Official residential_product_guide PDF could not be read by WebFetch (binary/image-encoded); figure confirmed instead via Bluestone's own news page. \| Deposit Unlock 95% (new-build FTB scheme) excluded

Source: lender intermediary criteria, every row verified on or since 2026-06-24 (most recent check 2026-08-19). 2 rows carry no verification date and are shown as published by the lender without a dated check. Criteria change frequently — always confirm current policy with the lender or a broker.

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