Introduction
Are you a non-UK national working in the United Kingdom on a Tier 1 or Tier 2 visa and dreaming of buying a home? You're not alone and the good news is, getting a mortgage is possible.
In this guide, we’ll explain how to secure a mortgage, what key lenders like Barclays, Halifax, Skipton, and Nottingham Building Society look for, and why working with Prosper Home Loans Ltd can dramatically improve your chances of success.
Who Qualifies for a Mortgage on a UK Visa?
Foreign nationals seeking UK home ownership commonly hold Tier 1 visas (for entrepreneurs and investors) and Tier 2 (Skilled Worker) visas.
Lenders assess income, employment type, UK residency duration, and visa expiry.
General Mortgage Criteria for Visa Holders
- Minimum 12-24 months remaining on your visa (varies by lender)
- Proof of employment or stable self-employment
- UK credit file and address history
- Deposit of 10-25% (depending on profile)
Barclays Mortgage Criteria for Tier 1 & Tier 2 VisaHolders
Barclays is open to non-UK nationals with valid Tier 2 visas. Applicants must have a minimum of 12 months remaining on their visa and be in full-time employment. For strong candidates, Barclays may offer up to 90% LTV.
They assess credit history, current UK bank account activity, and job stability when making decisions.
