Mortgage With A Visa

Mortgage With A Visa

Mortgage With A Visa - Mortgage with a visa refers to individuals seeking to purchase a buy to let or residential property within the UK having secured a visa to live and work within the UK. A mortgage with a visa package is available to individuals seeking residence in the UK having obtained a Tier 1, Tier 2, permanent residency or other visas which grant them the right to live and work within the UK. We have an expert team with years of experience advising clients in obtaining a mortgage with a visa, guiding and assisting clients throughout the application process from their initial enquiry until the completion and beyond.

Since the recent economic downturn, a number of UK banks and building societies have been unwilling to offer mortgages to individuals with a visa within the UK. Many have been offered unsuitable and unaffordable products for their individual needs and requirements, with some clients having their applications rejected. Over a number of years our expert team have built up outstanding relationships with a number of providers offering clients a mortgage whilst on a visa to live and work within the UK. Utilising these strong links, we are often able to obtain packages not available to individuals on the open market, much to our client’s satisfaction.

Foreign nationals outside the EU will require certain documentation to be provided in order for their mortgage with a visa application to succeed. 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 applicant should also find better rates and higher chances of a successful application if they have lived in the UK previously or have funds in a UK bank account. We fully understand the complexities and difficulties associated when seeking to obtain a mortgage with a visa. Our team will be on hand to take you through the available mortgage packages, holistically analysing each deal to ensure the deal we find for you is right.

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

Seeking a mortgage with a visa having been obtained to live and work within the UK? Contact us today.

How to get in touch

Feefo logo

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