Residential policy
Our lending policy differs depending on whether all, one or no applicants have Indefinite Leave to Remain in the UK, or EU Settlement Scheme settled or pre-settled status.
All applicants have ILR or settled or pre-settled status
- Maximum LTV – 95%
- Minimum time in UK (all applicants) – 3 years
- Minimum income – none
Joint application - one applicant has ILR or settled or pre-settled status
- Maximum LTV – 95%
- Minimum time in UK (all applicants) – 3 years
- Visa type – see our list of acceptable visas
- Minimum time remaining on visa – 9 months
- Minimum income – none
We can still lend to 95% if the non ILR holder doesn’t meet our visa requirements, as long as their income isn’t being used.
Joint application – no applicants have ILR or settled or pre-settled status
- Maximum LTV – 90% if at least one applicant earns £75k, excluding rental income
- Maximum LTV – 85% if no applicant earns £75k
- Minimum time in UK (all applicants) – 3 years
- Visa type – see our list of acceptable visas
- Minimum time remaining on visa – 9 months
- Minimum income – none up to 85% LTV. One applicant to earn £75k if over 85% up to 90% LTV
If an applicant doesn’t meet our visa requirements, they can still be on the mortgage, but their income won’t be used.
List of acceptable visas
- Health & Care Worker
- Skilled Worker
- British National (Overseas)
- Representative of an Overseas Business
- Scale-Up Worker
- International Sportsperson
- Minister of Religion
- UK Ancestry Visa
- Global Talent
- Partner/Spouse Visa
- Parent Visa
- Entrepreneur Visa
- Investor Visa
Please note
We cannot lend to nationals of a country subject to financial sanctions or to a foreign national with diplomatic immunity.