Skilled Worker Visa Mortgage Eligibility Guidelines
Getting a mortgage on a Skilled Worker visa is now more accessible than ever. Many UK lenders have adapted their criteria to welcome visa holders, with some offering competitive terms even to recent arrivals.
Key Requirements
- ✓ Valid Visa Status: Current Skilled Worker visa with at least 12 months remaining
- ✓ UK Employment: Stable job with a UK employer
- ✓ Deposit: Minimum 10-25% depending on circumstances
- ✓ Income: Regular, documentable income meeting lender criteria
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- ★ Access to 70+ UK lenders
- ★ Specialist visa mortgage expertise
- ★ Competitive rates and terms
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Book Free ConsultationMortgage Deposit Requirements for Skilled Worker Visa Holders
Deposit Options
While traditional requirements often asked for 25% deposits from visa holders, many lenders now offer more flexible options:
- 💰 10% deposits available through specialist lenders
- 💰 15-20% deposits accepted by many mainstream lenders
- 💰 25% deposits for best rates and most options
Accepted Deposit Sources
- ✓ UK or overseas savings
- ✓ Gift from family members
- ✓ Sale of assets
- ✓ Investment liquidation
Top UK Lenders for Skilled Worker Visa Mortgages
We work with a wide range of lenders who specialise in mortgages for Skilled Worker visa holders. Each has their own criteria and benefits:
High Street Banks
- 🏦 Typically require 20-25% deposit
- 🏦 Competitive interest rates
- 🏦 May require longer UK residency
Specialist Lenders
- 🏦 Accept lower deposits (from 10%)
- 🏦 More flexible criteria
- 🏦 Consider recent arrivals
How We Help
- ✓ Access to both mainstream and specialist lenders
- ✓ Compare multiple lender offers
- ✓ Negotiate best available rates
- ✓ Handle all lender communication
Building Your UK Credit Profile
Essential Steps
-
1
Open a UK Bank Account
Set up regular transactions and direct debits
-
2
Register to Vote
If eligible, join the electoral register
-
3
Get a UK Credit Card
Use responsibly and pay in full monthly
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4
Set Up Utility Bills
Register bills in your name and pay on time
Important Tips
- 💡 Start building credit as soon as you arrive in the UK
- 💡 Keep all addresses up to date
- 💡 Maintain low credit utilization
- 💡 Check your credit report regularly
Mortgage Application Process
Initial Consultation
Free discussion about your circumstances and goals
Document Collection
Gather necessary paperwork and proof of circumstances
Lender Research
We find the best mortgage options for your situation
Application Submission
We handle the entire application process
Completion Support
Guidance through to completion and beyond
Frequently Asked Questions
Can I get a mortgage on a Skilled Worker visa?
Yes, many UK lenders offer mortgages to Skilled Worker visa holders. Some accept deposits as low as 10%, and you may be eligible even if you've been in the UK for less than a year.
What deposit do I need?
While traditional requirements were 25%, many lenders now accept 15-20% deposits from Skilled Worker visa holders. Some specialist lenders may even consider 10% deposits for strong applications.
Do I need UK credit history?
While helpful, a UK credit history isn't always mandatory. Some lenders will consider international credit history and your overall financial profile. Building a UK credit history can improve your options.
Ready to Start Your Mortgage Journey?
Book a free, no-obligation consultation with our specialist mortgage advisors. We'll help you understand your options and create a plan tailored to your situation.
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