Mortgage Visa

Mortgage Visa

Mortgage Visa - Mortgage visa refers to individuals with a visa seeking a mortgage to purchase a buy to let or residential property within the UK. A visa or work permit to live and work within the jurisdiction will have been obtained. A mortgage visa will be a necessary condition for a UK mortgage: a tier 1, tier 2, highly skilled migrant visa or indefinite leave to remain in the UK. Increasing reluctance from banks and building societies in recent years to lend to individuals have left many mortgage visa applicants requiring the services of a mortgage broker for their financial and banking solutions.

Our mortgage visa team offer a personalised and bespoke service to all clients seeking finance. Using our comprehensive panel mortgage base, we seek to obtain the most affordable, suitable and best available rate for your individual requirements.

Foreign nationals seeking to secure a visa mortgage will require certain documentation to be provided. A UK work permit or visa with sufficient open ended permission to live in the UK is essential for a mortgage to be obtained. The visa mortgage applicant should also find more competitive rates and a higher chance of a successful application if they have lived in the UK previously or have had funds in a UK bank account.

We will quickly advise all our visa mortgage clients as to whether a UK bank, private mortgage lender or building society will be best equipped for their specific needs and circumstances. All critical documentation will be completed towards your transaction by our team, ensuring the process for you saves you time and stress.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Contact a member of our mortgage visa advisory team today. We look forward to taking your call.

How to get in touch

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Selected UK Mortgages for Foreign Nationals

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 04/04/2016.

CodeInitial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes
001 1.24% Tracker 30/06/2018 3.99% 3.72%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.

002 1.44% Tracker 30/06/2018 4.00% 3.72% 1% of loan to be paid until 30/06/2017, Then 0.5% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

003 3.29% Fixed 30/06/2018 3.99% 4.03%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 90% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.
004 2.50% Fixed

30/06/2018

4.00% 3.86% 2% of loan to be paid until 30/06/2017, Then 1% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 90% Residential

Tier 1 visa only. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

005 2.59%

Buy to Let Fixed

30/05/2018 5.35% 5.23%

 

3% of loan to be paid until 31/05/2017, Then 2% of loan to be paid until 31/05/2018, 10% capital repayments allowed per year without penalty.

 

£1999 None

Buy to Let max 60%

Tier 1 visa required