Holding a Skilled Worker (formerly Tier 2) visa doesn't bar you from a UK mortgage - but it narrows the lender field and introduces specific rules around time remaining on your visa and deposit size. We match you to the specialist lenders who actively accept visa holders and know the criteria.
Time left on your visa
Most specialist lenders want a minimum period remaining on your visa at application - often 12 months, sometimes more. Some will accept applicants with less time remaining but require a larger deposit. We confirm the threshold for each lender we approach.
- Typical minimum: 12 months remaining on visa
- Some lenders accept less time with a bigger deposit
- Visa expiry and renewal timeline reviewed
Deposit criteria: 25% vs 10%
Visa holders usually need a larger deposit than UK citizens. 25% is common, though some lenders accept 10%–15% for certain visa types and strong income. We're honest about the deposit you'll need based on your specific visa and circumstances.
- 25% deposit commonly required
- 10%–15% possible for some visa types
- Deposit tied to visa type and income strength
Income assessed in GBP
Lenders assess your income in GBP, so overseas income needs currency conversion evidence and stability. We present your income - UK or overseas - in the format lenders require, with clear evidence of its sustainability.
- Income assessed and evidenced in GBP
- Overseas income with conversion evidence
- Sustainability of income demonstrated
Common questions
How much time do I need left on my visa?
Most specialist lenders want at least 12 months remaining at application. Some accept less with a larger deposit. We confirm the threshold per lender.
Do I need a 25% deposit?
25% is common for visa holders, but some lenders accept 10%–15% depending on visa type and income. We'll tell you the real figure for your situation.