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  2. Residential Lending Criteria

Residency and foreign nationals

Our residency and foreign national requirements

We'll review all mortgage applications to see how long applicants have been living in the UK and their right to stay here. Depending on how much they’re borrowing, we might need to do some additional checks. 

Visa type

Maximum LTV

If less than 2 years history in the UK*

Permanent Right to Reside in UK (PRR)

UK and Irish

90%

90%

Settled status

90%

90%

Indefinite leave to remain (LR)

90%

90%

No PRR

Pre-settled status

90%

75%

Tier 1/Entrepreneur/Global Talent Visa

90%

75%

Tier 2/High Skilled Visa/Health Care Worker Visa

90%

75%

Spousal Dependant Visa

90%

75%

BNO Visa (British National Overseas)

90%

75%

* excluding short breaks outside of the country.

Not acceptable

Student Visa

Not Allowed

Not Allowed

Ancestral Visa

Not Allowed - Unless PRR

Not Allowed - Unless PRR

Any other visa type that is not explicitly stated above.