Foreign National Mortgage - How to Get a Mortgage on a VISA

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What is a Foreign National Mortgage?

Foreign national mortgages are mortgages available to people who are living in the UK but are not UK citizens. This is a specific type of mortgage that is available for people who are not UK residents, or for people who have indefinite leave to remain or have a permanent residency in the UK.

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How Do I Apply For A Foreign National Mortgage?

To apply for a Foreign National Mortgage, you will need to try and increase the appeal of your application to the lenders that offer this type of mortgage, as you are considered a higher risk applicant than UK citizens, depending on your current situation.

Certain criteria such as having a bank account within the UK in your name and having a permanent employment position in the UK can help with improving the overall appeal of your application as it reduces how high-risk you appear to the lender, as well as the type and length of your current visa.

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Can Foreign Nationals Obtain Buy to Let Mortgages?

Foreign nationals can apply for buy-to-let mortgages in the UK. The chances of the application being approved are dependent on your current situation, credit history and the requirements set out by the lender.

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Will My Visa Affect My Mortgage Application?

Your Visa will have an impact on your application for a Foreign National Mortgage. Below are some of the different Visa types that will impact your application for a mortgage of this type.

Family Visa

You are likely to have a Family Visa if you live with your spouse or blood relatives such as parents or children. When applying for a Foreign National Mortgage, you can make a joint application with your relative or your spouse. This is because the Family Visa gives you the right to work in the UK, meaning your income can be considered as part of your mortgage application.

For more information about Visas and immigration please visit: www.citizensadvice.org.uk

Tier 1 and Tier 2 Work Visa

If you have a Tier 1 or Tier 2 work visa, your chances of being granted a Foreign National Mortgage will increase dependent on the amount of time you have left on it. The longer you have remaining on your visa, the more likely a lender will be to grant you a mortgage. Most lenders request a minimum of 1-2 years remaining on your visa as this reduces your risk of not being able to cover payments for the full mortgage term.

For Tier 2 visas, they will assess how long you have lived in the UK, the length of time that is left on your visa, whether or not you have a bank account registered in the UK from a UK bank and whether you plan to renew your visa or allow it to expire.

For more information about Visas and immigration please visit: www.gov.uk

EU Citizens

Please note that the below information refers to people who arrived in the UK before 31 December 2020.

Pre-settled status refers to people who have not been living in the United Kingdom for 5 consecutive years. Settled status is given to those who have lived in the United Kingdom for 5 years continuously. It is possible to get a foreign national mortgage if you have pre-settled status. Many lenders request that you have lived here for at least 3 years, have a permanent employment contract in the UK and a UK bank account, and a reasonable deposit as set out by the lender issuing the mortgage. 

Based on these criteria, you can get a mortgage with pre-settled status. It is also possible for EU Citizens to apply for a mortgage in the UK, provided they also have the required criteria set out by the lender.

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How much deposit do I need?

The amount of deposit you will need for your Foreign National Mortgage application is dependent upon the price of the property you wish to buy, and the requirements set out by the lender issuing the mortgage. Most lenders ask for a minimum of 20%, but there are other deals out there and this can be negotiated with the lender.

Will Using a Mortgage Broker Help Me Get A Foreign National Mortgage?

Finding a high street lender willing to issue a Foreign National Mortgage can be tricky. There are not many high street lenders who are willing to issue these types of mortgages as they can be perceived as higher risk. There is a risk that lenders who do offer this type of mortgage may require a higher deposit or offer higher interest rates than those available for UK citizens. 

Using a mortgage broker can take away a lot of your stress, as they are specialists in their field and will know which lenders offer Foreign National Mortgages and who has the best rates. A mortgage broker can help you through the difficult stages of the process and ensure you are getting the best deal.

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