Mixed-status couple mortgage optimizer
Buying with a partner who holds a different immigration status? A settled-status partner can lift a lender's foreign-national cap for the whole application. See how each of the 10 lenders we track treats your combination, based on verified criteria (verified 2026-07-13).
This is an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee any lender will lend to you.
Worked example: visa-holder buying with a settled-status partner
Applicant A is on a work visa; applicant B holds settled status/ILR; combined income £85,000.
With a settled-status partner, 10 of 10 verified lenders treat you as a standard applicant
Every lender in the panel treats this couple as a standard applicant — the settled-status partner lifts the foreign-national cap across the board, including NatWest's otherwise flat 75% LTV cap and Aldermore's outright non-EU/EEA block.
Change the inputs below to model your own numbers.
FAQ
Does it matter which applicant holds settled status?
For most of the lenders we track, no — either applicant holding settled status or ILR is enough to lift the foreign-national restrictions for the whole application. A handful of lenders have narrower rules (see the notes above for the exact wording per lender).
What if neither of us has settled status yet?
You'll be assessed on foreign-national terms at every lender — some cap the LTV lower, and a few (like Aldermore for non-EU/EEA nationals) won't lend at all until one of you gets settled status. Use the tool above with both statuses set to see exactly where that leaves you.