Vida mortgage criteria for UK visa holders

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	up to 90% LTV 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	No	Note: Applicants paid in a foreign currency are explicitly not acceptable; income must be paid in sterling.
Builder gifted deposit	Yes	Max pct: 5
New-build max LTV	Yes	up to 90% LTV Note: One 'New Build' entry on the criteria search page states 'up to scheme limits' while a duplicate entry states an explicit 90% LTV cap; recorded the explicit figure.
Max LTV (standard)	Yes	up to 97% LTV Note: 97% is on the Vida 36 (best credit tier) 5-year fixed within the Standard Residential range, max loan £750k at that LTV; lower LTVs (75/85/90%) carry higher max loan sizes up to £2m. 'Pathway' sub-products run separately at 90% and are for specific residency-status cases, not a distinct scheme excluded here.

Source: lender intermediary criteria, every row verified on or since 2026-07-11 (most recent check 2026-08-19). Criteria change frequently — always confirm current policy with the lender or a broker.

Check how much these lenders might lend you →