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%

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Self-employed Foreign nationals Interest only Max age Affordability Contractor
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Affordability Holiday Let

We calculate affordability based on the property’s rental yield. Full details of our ICR calculation can be found using our Holiday Let Calculator.

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Income & employment Resi Resi Retire RIO
For single or joint applications with an income of £40,000 or above, we’ll base the maximum loan amount on affordability rather than applying a Loan to Income (LTI) cap.
Adverse credit Holiday Let

We can consider Debt Management Plans that have been satisfied for at least three years.

Outgoings & commitments Resi Resi Retire RIO

We can potentially consider applications permitting IVAs have been discharged for at least six years.

Applicant & residency Interest only Resi Resi Retire RIO

We don’t apply a maximum age limit. We welcome interest-only applications that continue into retirement and also offer Retirement Interest Only (RIO) mortgages.

Income & employment Resi Resi Retire RIO

We can consider investment income as an acceptable source of income.

Income & employment Resi Resi Retire RIO

We can consider trust income as an acceptable source of income, subject to underwriter discretion.