Reviewed 2026-07-13
Vida visa & foreign national mortgage criteria
Accepts foreign nationals
Yes
Max LTV without ILR
up to 90% LTV
Minimum time left on visa
Yes
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Yes | — Wide visa list incl. Skilled Worker, BNO, Health & Care, Family, Global Talent, Innovator, Investor |
| Max LTV without ILR | Yes |
75% if income thresholds not met |
| Income requirement (foreign nationals) | Yes | — £50k sole / £70k joint (up to 4 applicants) |
| Visa types accepted | Yes | — |
| Minimum time left on visa | Yes | — No minimum stated |
| ILR (settled status) required | No | — 1 year's UK residency required |
| Deposit from overseas | Yes | — |
| Foreign income accepted | Yes | — |
| 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.