Reviewed 2026-07-13
NatWest visa & foreign national mortgage criteria
Accepts foreign nationals
Yes
Max LTV without ILR
up to 75% LTV
Minimum time left on visa
6 months
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Yes | — No minimum time in the UK; subject to credit scoring |
| Max LTV without ILR | Yes |
Capital & repayment only; joint applications where ONE party holds settled status get normal limits for the whole application |
| Income requirement (foreign nationals) | No | — No foreign-national-specific income floor |
| Visa types accepted | Yes | — |
| Minimum time left on visa | Yes |
No waiver |
| ILR (settled status) required | No | — Not required, but LTV capped at 75% without permanent right to reside |
| Deposit from overseas | Yes | — |
| Foreign income accepted | Yes | — Used at 100% with no haircut, converted at assessment-day exchange rate |
| 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
NatWest's foreign-national policy is unusually clean-cut: without permanent right to reside, the loan-to-value is capped at 75% on a repayment basis — and unlike several rivals, there's no income level that unlocks more. If you can't reach a 25% deposit, NatWest simply isn't your first-choice lender yet.
But it hides two genuinely valuable features. First, on a joint application it only takes one of you to hold settled status — if your partner is a UK citizen or has ILR, the whole application runs at normal lending limits, cap gone. That makes NatWest one of the strongest picks for mixed-status couples. Second, it's notably generous with foreign-currency income: used at 100% with no haircut, where most lenders shave 20–25% off. There's also no minimum time-in-UK requirement — just a 6-month minimum remaining on your visa.
The table above shows the verified positions. If you're single-status and deposit-light, look at the lenders with income-based routes instead; if you're a mixed-status couple or paid in another currency, NatWest deserves a hard look.