Mortgages for visa holders

Getting a mortgage in the UK while on a visa is possible—whether you're on a skilled worker visa, spouse visa, or other residency status. At WIS Mortgages, we specialise in helping non-UK nationals secure the right mortgage with no broker fees.

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Key Benefits

Access to UK Lenders:

Many lenders are open to visa holders with stable income and residency.

Tailored Support:

We understand the unique criteria and guide you through each step.

Competitive Rates:

Visa holders may qualify for standard mortgage products—not just specialist ones.

No Broker Fees:

Our advice is always free, even for non-UK residents.

Buy or Remortgage:

Suitable whether you're purchasing a new home or switching lenders.

Eligibility Criteria and Requirements.

Who Can Apply?

You may be eligible if you:

Hold a valid UK visa (Skilled Worker, Spouse/Partner, Tier 2, Ancestry, etc.)
Have lived in the UK for at least 6–12 months
Are employed or self-employed with provable income
Have at least 12–24 months remaining on your visa (criteria varies by lender)

What are the Requirements?

Valid passport and visa documentation
Proof of income (payslips, contract, or accounts)
UK bank statements (typically 3–6 months)
Proof of deposit
Proof of address and ID
Credit history (UK credit)

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes, many lenders accept applicants on work, spouse, or family visas.

Commonly accepted visas include Skilled Worker, Spouse, Ancestry, and Tier 2—provided you meet other lending criteria.

No. You don’t need Indefinite Leave to Remain, but lenders may require time remaining on your visa.

Usually 10–25%, though some may accept 5% if you meet stronger criteria.

Yes, though not all lenders allow it. You’ll need to meet their visa length and income criteria at the time of application.

Not always, but some lenders may offer slightly less competitive rates due to perceived risk—especially with shorter visas or smaller deposits.

Yes. Most mortgage products for visa holders offer standard overpayment options, though early repayment charges may apply.

No. While permanent residency strengthens an application, many lenders accept temporary visa holders who meet other eligibility criteria.

Possibly, but lenders usually require at least 6 months left on your visa or proof that an extension or renewal is in progress.

Not necessarily. Some lenders may approve without a guarantor if you have stable employment and a solid deposit, though terms may vary.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone