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. |
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