Getting a Mortgage on a Family Visa

Not at all! You don’t have to hold permanent residency to apply for a mortgage. Many people secure one while still on a family visa, as long as they can meet the lender’s requirements.


Absolutely. Applying with a British spouse or partner often strengthens your application, as it shows stronger ties to the UK and shared financial responsibility.

At first, yes. If you’ve only been in Britain a short time, you may not have much of a credit history here. This doesn’t rule you out, but it can narrow the number of lenders willing to take you on.

Not always. If you can offer a good deposit and show steady income, your interest rate could be very similar to standard deals. But if your visa is short-term or your deposit is small, expect fewer options and potentially higher costs.


In many cases, yes. Family visa holders can often apply for schemes like Shared Ownership or First Homes, provided they meet the eligibility rules. It’s always best to check the small print of each scheme before applying.

You’ll normally be asked for your passport, visa, payslips, bank statements, and proof of address in the UK. Some lenders might also request your employment contract or confirmation of your visa renewal plans.

No, not every bank does. High street lenders may be stricter, while smaller building societies or specialist lenders are often more flexible with family visas.

Yes, remortgaging is possible, though it depends on how close your visa is to expiry. Lenders prefer a longer period left, so renewing your visa before applying gives you a stronger position.

Definitely! A broker experienced with visa cases can save you time, steer you towards lenders who accept family visa applicants, and increase your chances of approval.