Reviewed 2026-07-13
Pepper visa & foreign national mortgage criteria
Accepts foreign nationals
Case-by-case
Max LTV without ILR
No
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 |
|
| 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 |
|
| 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.