A UK mortgage can be possible while you hold a visa or other time-limited permission to live here. You do not need indefinite leave to remain for every lender. The mortgage must still meet the lender’s criteria for your status, finances and property.
Count Ready can discuss your plans and establish whether we can help. This page is for people living in the UK who want to buy, move home or review a residential mortgage. An initial enquiry does not confirm mortgage eligibility.
There is no single minimum deposit, income, UK residence period or remaining visa term for every applicant. Your exact permission, the evidence available and any joint applicant’s circumstances matter. A visa’s immigration salary requirement is not a mortgage affordability calculation.
For example, Clydesdale’s published criteria distinguish between applications according to status and whose income is being used. That is evidence of how individual lender policy can affect an application, not confirmation of your eligibility or Count Ready’s access to a particular product. Criteria checked on 7 September 2026.
Use the description on your immigration record. Nationality, residence and immigration permission describe different things; a UK-resident visa holder is not the same as an applicant living overseas.
Settled status, pre-settled status and British citizenship are distinct. If you have ILR under another route, another type of permission, protection status or an application awaiting a decision, explain your exact circumstances. This list is a guide to relevant information, not a list of guaranteed mortgage eligibility.
If you live abroad or plan to move here, start with non-UK-resident mortgage guidance. If you are unsure which description fits, the foreign-national mortgage page provides broader context.
The adviser needs to assess these factors together. Meeting a visa requirement alone does not make a mortgage affordable.
Use our deposit guidance and limited-credit-history guide for preparation. Tell your adviser about difficulties rather than assuming that new borrowing or a larger deposit will resolve them.
For the first conversation, have a short summary of your plans, approximate income and commitments, deposit or equity, current permission and any relevant dates. Include the circumstances of everyone who will apply.
If you proceed, the lender may request identification, immigration evidence, income records, bank statements, address history and evidence of the deposit’s source. The precise list depends on your application. Our mortgage-document checklist covers general preparation; the visa-holder income guide deals with income evidence.
An eVisa is a digital record of immigration status and its conditions, not a separate visa category. Follow GOV.UK’s eVisa guidance and the verification process requested for your application.
Keep passports, share codes and detailed financial records out of an ordinary enquiry message. Confirm the required documents and secure method of supplying them with your adviser. Never share your UKVI password or sign-in security codes.
An agreement in principle is an initial indication subject to conditions, not a formal mortgage offer. There is no approval deadline that applies to every case. Legal work and completion also depend on other parties.
For a standard mortgage application by a visa holder living in the UK, Count Ready’s broker fee is £595, payable on mortgage offer, with no separate administration fee for that standard application. The initial consultation is free. We will agree the applicable fees before chargeable work begins.
We may also receive commission from the lender. Lender, valuation, legal and other transaction costs are separate. If your enquiry involves living abroad or other international circumstances, ask which service and fee arrangement applies before proceeding. Read the Terms of Business and obtain the fees for your own case in writing.
First purchase: discuss your budget and deposit before committing to a property. Our first-time-buyer guidance covers the wider purchase process. Scheme and tax-relief eligibility require their own checks.
Moving home: bring details of your current mortgage, the property’s estimated value and your proposed purchase. Sale proceeds, existing conditions and early repayment charges may affect the options.
Remortgaging: tell us when your current deal ends and whether you want to borrow more. A remortgage with a new lender and a product transfer with your existing lender involve different options and checks. Previous acceptance does not guarantee a new arrangement.
Raise any expected change in permission or employment alongside the mortgage dates. Immigration rights, property ownership arrangements and tax questions may require an appropriately qualified immigration adviser, solicitor or tax adviser.
Tell us whether you are buying, moving or remortgaging and briefly describe your current status, budget and any concern about the application. We can discuss the advice you need and establish whether we can help.
Discuss your mortgage options or call 01245 934515. You can read our Privacy Policy before enquiring. Keep identity documents and detailed financial information out of the initial message.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Information and linked primary guidance checked on 7 September 2026. Lender policies can change. This page provides general mortgage information, not immigration, legal or tax advice.
It may be possible. The lender assesses the proposed borrowers, whose income it can accept and the rest of the application. Having a British partner does not guarantee acceptance. Tell the adviser each person’s status, residence, income and commitments. For applicants living together in the UK, see our joint mortgage guide. If one applicant lives abroad, use the non-resident joint mortgage guide.
The lender needs to accept your immigration circumstances and the income it can establish from your business. Explain the work you do, how long the business has traded and the records available. Separately, check that the work is permitted under your immigration conditions. Our self-employed mortgage guide explains the income questions; it does not provide immigration advice.
There is no single mortgage rate for visa holders. The cost depends on the products available for your circumstances and their terms. Compare the interest rate alongside fees, early repayment charges and the overall cost over the relevant period. The mortgage repayment term and an initial fixed-rate period are different things.
Tell the adviser when your permission ends and whether an extension or change is in progress. The lender’s requirements and the evidence available affect the options; do not treat an expected extension as already granted. If you already have a mortgage, contact your lender about a change that affects your circumstances or ability to pay, and seek appropriate immigration advice where needed.
