A joint application with a UK citizen and a spouse-visa holder is often more straightforward than a sole visa-holder application, but lender criteria still apply. We match you to lenders comfortable with spouse-visa joint applicants and structure the application to maximise acceptance.
Joint application advantages
A joint application with a UK-citizen partner widens lender choice and can reduce the deposit required, as the UK partner's status supports the application. We structure the application to make the most of the joint position.
- Wider lender choice on a joint basis
- Potentially lower deposit with a UK-citizen partner
- Application structured to maximise acceptance
Lender criteria for spouse visas
Even on a joint basis, some lenders have specific rules around spouse-visa holders - time on visa, indefinite leave to remain trajectory, and income. We know which lenders are most accommodating.
- Lender-specific spouse-visa rules
- Time-on-visa and ILR trajectory considered
- Most accommodating lenders identified
