Finding a home in the UK is an exciting step for many people working in health and social care. But if you are here on a Health and Care Worker Visa, the idea of applying for a mortgage can feel a little complicated. The good news is – yes, it is possible to get a mortgage while holding this visa, though there are some extra details you need to be aware of.
This guide explains exactly how mortgages work for Health and Care Worker Visa holders, what lenders look for, and how you can prepare yourself for the best chance of approval.
The short answer is yes. Many lenders in the UK will consider applications from Health and Care Worker Visa holders. However, your options may be slightly more limited than for British citizens or people with indefinite leave to remain. This is because lenders like stability and want reassurance that you plan to stay in the UK long-term.
That doesn’t mean rejection is inevitable – it simply means you need to show clear evidence of your income, visa status, and plans to remain in the country.
Speak to a trusted mortgage adviser – tailored advice for Health and Care Worker Visa mortgages.
Contact us nowMortgage lenders operate on risk. For someone with a permanent right to live in the UK, the risk of leaving the country suddenly is low. For someone on a visa, the risk (in the eyes of the lender) is a little higher, especially if your visa is close to expiry.
This is why lenders often ask for:
One of the main differences you may find is around the size of the deposit. While some lenders may accept 5–10% deposits from UK nationals, many prefer at least 15–25% deposit from visa holders.
This isn’t always the case, and some specialist mortgage providers do allow smaller deposits, but saving a larger deposit will definitely improve your chances.
Healthcare roles are usually seen as secure because the NHS and care sector have long-term staffing needs. If you are on a Health and Care Worker Visa and working as a nurse, doctor, care assistant or allied health professional, this works in your favour.
Most lenders will want to see:
If you work through an agency, it may be slightly more difficult, as lenders prefer permanent contracts. But it is not impossible – some providers specialise in mortgages for agency workers.
One common issue for newcomers to the UK is having very little credit history. Mortgage lenders in Britain rely heavily on credit scoring. If you have only been in the UK for a short time, you may not yet have built up a strong credit profile.
To improve this, you can:
Not every bank or building society openly advertises mortgages for Health and Care Worker Visa holders, but many do consider them. Some of the larger high-street names can help, while specialist lenders and mortgage brokers are often the best route.
A mortgage broker who understands visas can save you time, as they know which lenders are most flexible and how to present your case.
Yes, in many cases, Health and Care Worker Visa holders can access certain home ownership schemes in the UK, provided they meet the eligibility criteria. These include:
Always check the small print, as some schemes may require you to have indefinite leave to remain before applying.
You can apply, but most lenders prefer to see a track record of UK income and banking activity. If you’ve only just arrived, it may be harder to get approved straight away. Waiting a few months to build payslips and credit history usually improves your chances.
No, not all lenders will consider applications from Health and Care Worker Visa holders. Some high-street banks are open to it, but many people find specialist lenders or mortgage brokers give better options tailored to visa holders.
Yes, lenders often look at how long is left on your visa. The longer your visa has before it expires, the more comfortable lenders feel about offering a mortgage. If your visa is close to renewal, you may face stricter conditions.
Absolutely. Once you have built up some mortgage history in the UK, you can remortgage just like any other borrower. Many people switch to better rates once they have lived and worked in Britain for a few years.
No, indefinite leave to remain is not a strict requirement. Many lenders will still consider you as long as your visa is valid and you meet their financial criteria. However, having indefinite leave can open up more options and better deals.
Yes, joint applications are common. If your co-buyer is a UK citizen or has settled status, it may strengthen your application and widen your choice of lenders.
There are no special fees just for being on this visa. However, if you use a specialist lender or broker, there might be arrangement fees. Always check the full costs before signing anything.
Working for the NHS can be an advantage because it’s seen as very stable employment. While this doesn’t guarantee approval, it often helps your case with lenders compared to agency-only work.
Yes, but be cautious. Lenders want to see stability, so changing jobs right before applying might raise questions. If possible, apply once you’ve settled into your new role.
While there isn’t a special product called a “Health and Care Worker Visa mortgage,” there are lenders who create flexible policies for key workers and visa holders. A broker who understands this area can point you towards the right deals.
