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2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

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Back | Insurance

Business Protection Insurance

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Home Insurance

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Family Income Benefit

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Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

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Residential & Commercial Bridging

Mortgage Repayment

Development Finance

Commercial Mortgage

Back | Your Mortgage Position

Your Mortgage Position

Bad Credit

Bridging

Buy to Let

Development Finance

Self Employed

Mortgage for professionals

Equity Release

Expat mortgages

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Mortgage Affordability

Mortgage Application

Income Types

Residential Mortgages

Commercial Mortgages

Property Types

Remortgages

First Time Buyers

Mortgage Declined

Offset Mortgage

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Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

Mortgage with Defaults on Your Credit

Buy to Let Mortgage With Bad Credit

Mortgages for Debt Consolidation

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Bridging Loan with an Adverse Credit

Mortgage with a CCJ

Mortgage with Credit Card Debts

Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

How Can I Repair my Credit Score to Get a Mortgage?

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Qualify for a Mortgage with Zero Credit Score

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

Joint Mortgage Applicant Has Bad Credit

Back|Bridging

Bridging Finances

Auction Finance

Fast Bridging Finance

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Bridging Loans Guide

Bridging Loans for Residential Homes

Bridging Loan at 100% Loan to Value?

Commercial Bridging Finance

Bridging Loan with Adverse Credit

Fast Bridging Finance

Financing a Property Purchase at Auction

Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

Bridging Finance for Land Developments

Long & Short Term Bridging Finance

Bridging Finance on Rental Investments

Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

Buy To Let Mortgages for Expats

Buy To Let Refurbishment Mortgages

Buy to Let Interest-Only Mortgages

Changing Your Mortgage to Buy to Let

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Stamp Duty for Buy to Let

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Holiday Let Mortgages 80 LTV

Repayment Mortgage for Buy to Let

Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

Portfolio Landlord Mortgages

Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

Development Exit Finance

Why Location Matters in Development Finance Applications

Development Finance for Residential Properties

Finance a Property Development with No Deposit

Development Finance Applications

Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

Lender Criteria for Development Finance

Back|Self Employed

Self Employed Mortgages

Company Director Mortgages

Mortgages for LLPs

BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

Mortgages For Newly Self Employed

Mortgage for Partnerships & Sole Traders

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Back|Mortgage for Professionals

Social Worker Mortgages

Foster Carer Mortgages

Mortgages for Armed Personnal

Finding a Mortgage for Doctors

Graduate Mortgages

Teacher Mortgage Options

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Mortgages for UK Professionals

Back|Equity Release

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Expat Mortgages for UK Nationals

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest-Only Lifetime Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest Only Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

Mortgage on a Single Income

Mortgage with an Overdraft

Mortgages on 4 - 4.5 x Salary

Mortgage based on Salary

Mortgage on a Single Income

Requirements for a £350,000 Mortgage

Mortgages at 6 x Income

Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

Back|Mortgage Application

Mortgages for Individuals

Friends or Family Members

VISA Mortgages

Foreign National Mortgage

Multiple Applicant Mortgages

Single Parent Mortgage

Mortgage Application Process

Mortgage Agreement in Principle

Joint Applicant, Sole Proprietor Mortgages

Single Parent Mortgage

Joint Mortgage Applications

Rejected Mortgage Application

Back|Income Types

Mortgage with Non-Mainstream Income

Mortgage on a Temporary Work Contract

Mortgage on a Zero Hours Contract

Mortgages for Part-Time Workers

Mortgage Applications Based on Pension Income

Mortgage Options for Gambling Income

Mortgages for Freelancers & Self-employed

Mortgages for Contractors with Variable Income

Mortgages for Agency Staff Employed Through an Umbrella Company

Back|Residential Mortgages

Back|Commercial Mortgages

Commercial Property Finances

Commercial Mortgages

Property Investment Finance

Commercial Remortgages

Semi Commercial Mortgage

Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

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Large Commercial Mortgage

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Remortgaging Commercial Property

Care Home Commercial Mortgages

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Business Through Mortgage Lending

Deposits on Commercial Mortgages

Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

Business Expansion Finance

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Ex-Local Authority Flat

Flying Freehold Mortgage

Thatched Roof Property

Flat Mortgages for High Rises

Studio Flat Mortgage

Mortgage on a Home with a Flat Roof

Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Steel Framed House Mortgages

Mortgages for Concrete Properties

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgage for below Market Value

Repossession Property Purchase

Planning Permission for British Properties

Mortgage on a Home Adjacent to Commercial Properties

Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

First-Time Buyer Mortgages With a 10% Deposit

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgage

How To Find the Lowest Fixed Rates on Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

Guide to Understanding UK Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

Can I Get a Mortgage While on Maternity Leave from Work?

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Can I Get a Mortgage if I am in the UK on a Visa?

A concise guide to how UK mortgages work for visa holders and why your residency or citizenship status may impact your mortgage rates and approval prospects.

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Single or joint mortgage?

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What’s your yearly income?

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Based on your yearly income,

you may be able to borrow

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

£0

Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.

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Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.

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Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

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Almas Uddin

Founder and Mortgage Advisor

2023-05-09

Can I Get a Mortgage if I am in the UK on a Visa?

Applying for a mortgage on a UK property without being a resident or having the permanent right to stay can be tricky.

In this guide, the Revolution Brokers team summarises how mortgages work for non-UK nationals and the best way to find the borrowing you need.

For bespoke guidance specific to your visa status and circumstances, give us a call on 0330 304 3040, or email the team at [email protected].

How Can I Get a UK Mortgage as a Visa Holder?

A lot depends on what sort of visa you have. Many lenders will consider the application provided you have at least 2.5 years left to run - and others will have minimum requirements for how long you have lived and worked in the UK.

Even if your visa is due to expire, there are sometimes mortgage options.

In that scenario, you'd usually need a higher deposit of at least 25% and might find that your quoted interest rates are higher to counteract the increased risk.

Mortgage lenders will assess your application depending on what sort of visa you have. Most will consider:

Tier 1, 2 and 5 UK Visas.
Spousal and ancestry visas.
Student and work visas.

Already Interested, Let’s Get Started!

The following

topics are

covered below

Can I Get a Mortgage as a Tier One Visa Holder in the UK?

Are There Mortgages for Tier Two Visa Holders?

How Do Mortgages Work for Applicants on a Spousal Visa?

Can I Buy an Investment Property on a UK Visa?

What is the Maximum Mortgage for a UK Visa Holder?

How Can I Calculate Mortgage Affordability on a Visa Application?

Expert Help with Mortgages for Visa Holders

Show less

Why Revolution Brokers?

Whole of market brokers

Mortgage that suits you

On time customer support

Can I Get a Mortgage as a Tier One Visa Holder in the UK?

You can, provided you meet the other eligibility criteria. Lenders will look at:

When your visa expires, ideally at least 2.5 years left to run.
How long you have lived in the UK - the longer, the better.
What deposit you have. Most lenders need at least a 25% deposit.

If you don't meet those requirements, there are still options available from niche lenders, provided you appoint an experienced broker to negotiate the terms on your behalf!

Are There Mortgages for Tier Two Visa Holders?

There are, and the assessment process works similarly to tier one visa applicants.

Lenders will want to see that you have been living in the UK for at least two to three years and have a minimum of six months, and sometimes one year, remaining on your visa.

The other criteria apply, so your deposit, whether you have a UK bank account, your credit rating, and stable British employment are also factors.

How Do Mortgages Work for Applicants on a Spousal Visa?

Spousal visas mean that you are married to a UK resident or citizen and have the permanent right to live and work in the UK. Therefore, there is little chance of your visa being declined, and you shouldn't have any trouble finding a mortgage.

If your partner has a spousal visa, you can apply together for a joint mortgage - and usually borrow much more than as a sole applicant.

Can I Buy an Investment Property on a UK Visa?

Possibly, but this is usually more complicated. If you are in the UK on a non-permanent visa and want to buy an investment rental property, landlords will perceive this as reasonably high risk.

However, if the rental income will comfortably cover the mortgage interest, you have landlord experience and have a fairly long time remaining on your visa, you have a better chance of buy to let mortgage approval.

Buy to let visa holder mortgages usually require:

Holding either a Tier 1 or Tier 2 visa.
Three years living in the UK as a minimum.
Having at least a year to run on your visa.
A minimum deposit of 25%.
Prior experience of at least six months as a UK landlord or living in a property in the UK, which you own.

What is the Maximum Mortgage for a UK Visa Holder?

The maximum you can borrow depends on many factors, including your age, credit history, income and other debts.

Most lenders will offer mortgages at a maximum of 4.5 times your annual income. Some will offer five or even six times your yearly earnings, depending on the circumstances.

How Can I Calculate Mortgage Affordability on a Visa Application?

If you're unsure what you can afford or how much a mortgage lender might be prepared to offer, give the Revolution Brokers team a call for assistance.

The calculation includes looking at:

Your income and earnings.
Regular outgoings and debts.
How many dependents you have.
The health of your credit report.

Expert Help with Mortgages for Visa Holders

Your mortgage application success depends very much on what sort of visa you have, how much you need to borrow, and your circumstances.

For help identifying the right mortgage lender and product for you, give mortgage advisors a call on 0330 304 3040, or message the team at [email protected].

Almas Uddin

Founder and Mortgage Advisor

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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Can I Get a Mortgage if I am in the UK on a Visa?

Discover What Our Customers

About your mortgage

Based on your yearly income, you may be able to borrow

Can I Get a Mortgage if I am in the UK on a Visa?

How Can I Get a UK Mortgage as a Visa Holder?

Whole of market brokers

Mortgage that suits you

On time customer support

Can I Get a Mortgage as a Tier One Visa Holder in the UK?

Are There Mortgages for Tier Two Visa Holders?

How Do Mortgages Work for Applicants on a Spousal Visa?

Can I Buy an Investment Property on a UK Visa?

What is the Maximum Mortgage for a UK Visa Holder?

How Can I Calculate Mortgage Affordability on a Visa Application?

Expert Help with Mortgages for Visa Holders

Further Reading

Applying for a Mortgage Together - The Difference Between Joint Tenants and Tenants in Common

Applying for a Mortgage with Friends or Family Members

Are Online Mortgage Quotes Worth Relying On?

Can I Apply for a Mortgage in Northern Ireland?

Can I Apply for a Mortgage in Only My Name if I am Married?

Can I Get a Mortgage if I am in the UK on a Visa?

Can I Get a Mortgage if I Have a Criminal Record?

Can I Get a UK Mortgage as a Foreign National?

How Can I Apply for a Mortgage Alongside Existing Debt?

How Do Mortgage Applications Work in Scotland?

How Quickly Can I Get a Mortgage Application Approved?

How to Apply for a Mortgage Agreement in Principle Online

Mortgage Applications - the Revolution Guide

Mortgage Options for Homeowners on Furlough from Work

Multiple Applicant Mortgages

Single Parent Mortgage Applications

The Online Mortgage Application Process

Understanding Retention Clauses on a Mortgage Offer

What Are Joint Applicant, Sole Proprietor Home Mortgages?

What are LIFT Mortgages in Scotland?

What are the Eligibility Criteria around Joint Mortgage Applications?

What Can I Do Next if my Mortgage Application has Been Rejected?

What Happens If I Have a Joint Mortgage and My Partner Passes Away?

What Happens If I'm Made Redundant While Applying for a Mortgage?

What History of Bank Statements Do I Need for a Mortgage Application?

Which Government Mortgage Schemes Can I Apply For?

How Can I Improve My Chance of Mortgage Approval?

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