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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Outgoings & commitments Resi Resi Retire RIO

We don’t accept applicants who are exceeding any agreed overdraft limit and receiving unauthorised overdraft charges.

Property Resi Resi Retire RIO

We may consider properties that have previously been underpinned or undergone significant structural repairs more than five years ago.

Adverse credit Holiday Let

We’ll allow up to two months’ arrears in the last two years. All accounts must be up to date at application.