Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Visa mortgages
Mortgage options for applicants living in the UK on eligible visas. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with visa mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Mortgage options for eligible UK visa holders
Visa type, time remaining, UK residency, deposit and credit history all affect lender choice. A short time in the UK does not automatically prevent an application.
Visa route
Check how the lender treats skilled-worker, spouse and other eligible visa categories.
Time remaining
Identify lenders whose minimum remaining-term requirement fits the application.
Deposit
Review whether the lender requires additional deposit where permanent residency is not held.
UK history
Build the case around address, employment, banking and credit evidence available in the UK.
Your Smart Mortgages contact
Aaron assesses visa and residency cases, with local advisers supporting straightforward applications.
Mortgage options for eligible UK visa holders FAQs
Do I need indefinite leave to remain?
Not always. Some lenders accept eligible visas subject to their own deposit, residency and income requirements.
Can my partner's income be included?
Potentially, subject to both applicants' status, income evidence and the lender's joint application rules.
What if my visa expires soon?
Options may be restricted. We review remaining term, extension prospects and current lender criteria.
Specialist knowledge that can make the difference
Our team regularly works with skilled worker visas, spouse visas and non-UK nationals. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.