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Can I get a mortgage on a skilled worker visa in the UK

Tier 2 Visa / Skilled Worker Visa Mortgages Ultimate Guide. Can you obtain a mortgage loan with a tier 2 Visa ?

Can I Get a Mortgage on a skilled worker Visa in the UK? Explained

Can I get a mortgage on a Tier 2 visa in the UK. Yes you can! Different lenders have different criteria around tier 2 visa holders. Some require you to be resident in the UK for 3 years, some 2 years and some lenders don’t have a minimum residency criteria nor minimum time left on your visa criteria depending you meet their full eligibility criteria. The lenders will require you to be in employment and to have a UK bank account.

Once you meet the criteria the lender will offer you exactly the same mortgage product they offer to the applicants who are not on a visa in the UK.

Lenders will treat different professions differently. For example if you are an accountant, NHS worker such as a nurse or a doctor some lenders can treat you more favourably. The professions mentioned above is not the full list, if you want to find out whether your profession is treated more favourably by the lenders please get in touch with us.

Not all but some lenders will also accept the spousal visa holder to be part of the mortgage application, some lenders would not take spouse income into consideration but some lenders will. We can assist you in the right direction with your application.

Do you also have a foreign income? Some lenders will allow you to use your foreign income but they may shave your foreign income they do this to protect their exposure to currency exchange fluctuations.

We specialise in visa holders mortgage applications and we dealt with many Tier 2 visa holder mortgages.

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Understanding skilled worker Visa

If you are a foreign national working in the UK, you may be on a skilled worker visa. This visa is for skilled workers who have been offered a job in the UK. It allows you to work for your sponsor company and live in the UK for a set period of time.

To be eligible for a skilled worker visa, you must have a job offer from a UK employer who holds a valid sponsor license. You will also need to meet the English language requirements and pass the points-based system.

The skilled worker visa has several subcategories, including General, Intra-Company Transfer, Minister of Religion, and Sportsperson. Each subcategory has its own requirements and restrictions.

The length of your skilled worker visa will depend on the type of job you have and the length of your contract. You can apply to extend your visa if you want to stay longer in the UK.

It is important to note that you cannot switch to a skilled worker visa if you are already in the UK on a visitor visa or another type of short-term visa. You will need to apply for a skilled worker visa from outside the UK.

Can You Get a Mortgage on a skilled worker Visa?

If you are on a skilled worker visa and want to buy a property in the UK, you may be wondering if you can get a mortgage. The good news is that it is possible to get a mortgage on a skilled worker visa, but the process can be more complicated than for UK citizens or permanent residents.

Lenders will look at several factors when considering your mortgage application, including your credit score, income, and affordability. They will also consider how long you have been living in the UK and how long you have left on your current visa.

If you have been in the UK for less than two years, you may need to put down a higher deposit, typically around 25-30%. If you have been in the UK for more than two years, you may be able to put down a smaller deposit, around 10%.

It is important to shop around and compare mortgage deals from different lenders to find the best option for your situation. Working with a mortgage broker who has experience with skilled worker visa applications can also be helpful.

Eligibility for Mortgage on skilled worker Visa

If you are a skilled worker visa holder in the UK, you may be wondering if you are eligible for a mortgage. The answer is yes, you can get a mortgage on a skilled worker visa, but there are some criteria you need to meet.

Time in the UK

Most lenders will require you to have been in the UK for at least two years before they consider you for a mortgage. This is because they want to see that you have a stable income and credit history in the UK. However, some lenders may require you to have been in the UK for up to three years.


You will need to have a larger deposit than a standard residential mortgage. Most lenders will require a minimum deposit of 15%, but some may ask for 25%. This is because lenders see skilled worker visa holders as higher risk than UK citizens or permanent residents.


You will need to prove that you have a stable income in the UK. Most lenders will require you to have a minimum income of £25,000 per year, but this can vary depending on the lender and your individual circumstances.

Credit History

You will need to have a good credit history in the UK to be eligible for a mortgage. This means that you have paid your bills on time and have not missed any payments. If you have a poor credit history, you may find it difficult to get a mortgage on a skilled worker visa.

Other Requirements

Some lenders may have additional requirements that you need to meet, such as having a certain amount of savings or having a guarantor. It is important to check with the lender what their specific requirements are before applying for a mortgage.

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