Once you hold Indefinite Leave to Remain, you're treated far more like a UK citizen by lenders - wider choice, lower deposits, standard affordability. We help you transition from a visa-restricted mortgage to the open market, including remortgaging once your status changes.
What ILR unlocks
ILR removes most visa-related lender restrictions - you can access high-street lenders, lower deposits and standard affordability assessments. We review your existing mortgage (if any) and the wider market to see if remortgaging now saves you money.
- Access to high-street lenders
- Lower deposit requirements
- Standard affordability assessment
- Remortgage review once ILR is granted
Timing the transition
If you're approaching ILR, it can be worth timing a remortgage to coincide with your new status to unlock better rates. We map the timeline and hold a rate where possible so you're ready to switch the moment you're eligible.
- Remortgage timed to ILR grant
- Rate held in advance where possible
- Timeline mapped to your visa expiry
