Pepper mortgage criteria for UK visa holders

Accepts foreign nationals

Case-by-case

Max LTV without ILR

Minimum time left on visa

12 months

Criteria	Verdict	Detail
Accepts foreign nationals	Case-by-case	— At least one applicant MUST hold indefinite leave to remain — Pepper does not lend to a sole applicant without ILR. Visa-holder income accepted alongside an ILR applicant.
Max LTV without ILR	No	— Not available without an ILR-holding applicant on the mortgage
Income requirement (foreign nationals)	Not published	—
Visa types accepted	Yes	—
Minimum time left on visa	Yes	12 months left required
ILR (settled status) required	Yes	— Required for at least one applicant
Deposit from overseas	Case-by-case	—
Foreign income accepted	No	—
Builder gifted deposit	Yes	Max pct: 5
New-build max LTV	Yes	—
Max LTV (standard)	Yes	up to 90% LTV Note: Live HTML criteria page (re-fetched 2026-08-19) states: 'Up to £1 million available to 75% LTV' and 'Up to £750,000 available to 90% LTV', with 'Maximum loan' repeating the same 90% figure. This contradicts the hosted PDF Mortgage Criteria Guide (cover page dated Feb 2025 but running header Feb 2026, Version 2.1) which states 85% for the £750k tier. Per the rule to prefer a live criteria page over a cached/older PDF, 90% is recorded here, but this is a genuine unresolved discrepancy between Pepper's own live page and its own PDF and should be re-checked next sweep.

Source: lender intermediary criteria, every row verified on or since 2026-07-11 (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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