Foreign Nationals without indefinite leave to remain
We can consider foreign nationals without indefinite leave to remain where they hold an eligible work visa and have a minimum of 12 months’ employment history.
We can also consider applicants on a spousal visa as part of a joint application.
Applicants on a skilled worker visa or health and care worker visa must be in permanent employment.
The maximum LTV is 95%
We require a three-year address history for all applicants. For foreign nationals, we don’t set a minimum residency period in the UK, however we do require a minimum of one year’s employment history. We can also consider returning UK expatriates who have been back in the UK for at least six months, provided they have been away for no more than two years.
We don’t accept foreign nationals living overseas.
Foreign nationals with indefinite leave to remain are assessed under our standard lending policy.
We can consider foreign nationals without indefinite leave to remain where they hold an eligible work visa and have a minimum of 12 months’ employment history.
We can also consider applicants on a spousal visa as part of a joint application.
Applicants on a skilled worker visa or health and care worker visa must be in permanent employment.
The maximum LTV is 95%
We can consider foreign nationals without indefinite leave to remain where they hold a Tier 1 or Tier 2 visa with a minimum of 24 months remaining at the time of application.
Applicants must also have at least one year’s employment history.
The maximum LTV is 95%.