UK foreign national mortgages
A UK foreign national mortgage funds a UK property purchase by a non-British buyer who is UK-resident on a visa (Skilled Worker, Global Talent, ILR, EEA settled status, family visa). Residential and buy-to-let routes. Affordability sensitive to remaining visa duration. FCA-authorised advice on regulated residential. FCA reference 966902.
Typical scenario
Skilled Worker visa holder, four years remaining, buying a £425,000 residential home in Reading. Deposit £106,250 (25 percent), loan £318,750. Five-year fixed at 5.09 percent APR (indicative, LTV 75 percent, foreign-national-friendly high-street lender). Arrangement fee £999. Valuation £450. Legals £1,650.
Visa route eligibility
| Visa status | Residential | BTL | Deposit typical |
|---|---|---|---|
| ILR / EEA settled | Whole panel | Whole panel | 10% to 25% |
| Skilled Worker (2+ yrs left) | Most of panel | Most of panel | 15% to 25% |
| Skilled Worker (under 2 yrs) | Subset of panel | Subset of panel | 25% to 40% |
| Global Talent | Whole panel | Whole panel | 15% to 25% |
| Family visa | Most of panel | Subset of panel | 15% to 25% |
Source of funds documentation
- Six months of UK bank statements plus source-country statements where deposit originated overseas.
- Deposit trail: gift letter (if gifted), sale proceeds, savings accumulation.
- Anti-money-laundering: enhanced due diligence for high-value or complex sources.
- Sanctions and PEP screening on every case.