Our residency and foreign national requirements
As part of the mortgage application process, we'll require applicants to provide proof of their legal right to reside in the UK. How much we can lend against the value of the property (the maximum LTV) is different depending on whether applicants have a permanent right to reside (PRR).
For applicants with PRR
We can lend up to 90% LTV for applicants with PRR, those are:
- UK and Irish citizens
- Settled-status holders
- Applicants with indefinite leave to remain (ILR)
For applicants without PRR
We can lend up to 90% LTV, with the maximum reduced to 75% for applicants who have been in the UK for less than two years.
We'll accept the following visa types:
- Pre-settled status holders
- Tier 1 visa (Entrepreneur/Global Talent)
- Tier 2 visa (High skilled/Health Care Worker)
- Spousal dependent visa
- British National Overseas (BNO) visa
- BNO dependency visa
We can't accept:
- Student visas
- Ancestral visas
- Any other visa types