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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Property Resi Resi Retire RIO

We don’t accept properties affected by Japanese knotweed classified as Category 2, 3 or 4 under the RICS Risk Assessment Framework, regardless of any treatment plan in place.

Product RIO

We can consider benefit income where it’s guaranteed for life.

Product RIO
We can consider investment income where it’s held within a regulated investment scheme and is based on the current valuation.
Where affordability is impacted by the death stress measure on one of the applicants, a life cover policy may be used to support the affordability of the remaining applicant, subject to one month’s evidence of payments to the policy.
Product Resi Resi Retire RIO
We’ll consider the projected proceeds of a life policy as part of its ongoing affordability assessment.
Where affordability is impacted by the death stress measure on one of the applicants, a life cover policy may be used to support the affordability of the remaining applicant, subject to one month’s evidence of payments to the policy.
Product RIO

We can consider rental income and may consider up to 100% of rental income.

Product RIO
We can consider survivor’s pension income as part of our ongoing affordability assessment.