Key criteria at a glance
No minimum residency within the UK is required¹
¹90% LTV cap applies if residency within the UK is less than 12 months.
No minimum time remaining on the Visa is required²
²If there is less than six months remaining on the current visa, confirmation the applicant will seek an extension is required.
Lending Loan-to-Values
Residential lending up to 95% LTV and Buy-to-Let lending up to 75% LTV.
One applicant must earn a basic salary of at least £41,700³ ⁴
³Except those working in the NHS, private hospitals, or teaching roles – no minimum income required for these groups. ⁴Applications below the £41,700 income threshold may be considered on a case-by-case basis following referral to the BDM team.
Joint applications
We welcome joint applications on the same terms, where the partner is on a spousal visa.
Employment status
1-year employment track record is required and self employed applicants are considered on a referral basis.
Accepted visa types
Other?
If your client holds a visa that isn’t listed above, please call us on 01455 894084 to discuss their application.
Detailed criteria
Visa Buy-to-Let criteria
Visa self-employed criteria
Additional need-to-knows
New-build purchases
For new-build purchases, we can accept builder deposits of up to 5% with no adjustment of the purchase price for LTV purposes. This means we can offer up to 90% LTV gross to visa holders regardless of their UK residency period. Applicants simply need to match a builder’s typical 5% deposit-paid deal.
Get in touch
To speak to a member of our team, call 01455 894 084, or click contact us to send us an email. You can also personally connect with one of our dedicated Business Development Managers or chat to us via LiveChat.
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