Book a Mortgage Call

The First Time Files

Your home/property may be repossessed if you do not keep up repayments on a mortgage

Your guide to UK mortgages for foreign nationals. Practical advice, lender insights, and clear step-by-step help to buy your first home in the UK with confidence.

Finance

How Much Deposit Do Visa Holders Need for a UK Mortgage?

Buying a home in the UK as a visa holder can feel like a daunting challenge. The biggest question on most people’s minds? “How much deposit do I actually need?”

March 25 2025
Read
stamp-duty-foreign-national-uk
Blog
Do You Pay Stamp Duty as a Foreign National?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Do Foreign Nationals...
October 28, 2025
Read More
build-uk-credit-score
Blog
How to Build Your UK Credit Score Quickly as a New Arrival
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
October 23, 2025
Read More
A foreign national and British partner reviewing mortgage documents together.
Blog
Can Foreign Nationals Apply for a Joint Mortgage with a British Citizen?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying your first...
October 10, 2025
Read More
foreign savings for UK house deposit
Blog
Can Foreign Nationals Use Savings from Abroad as a House Deposit in the UK?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you are a foreign...
October 1, 2025
Read More
Blog Feature Images (30)
Blog
Why Mortgage Offers Can Expire and What Foreign Nationals Need to Know
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you have just...
September 17, 2025
Read More
solicitor role buying property UK
Blog
What Does a Solicitor Do When You Buy a Property in the UK? A Guide for Foreign Nationals
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying a home in...
September 10, 2025
Read More
solicitor role buying property UK
Blog
Can You Get a Mortgage in the UK After Only 12 Months?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you have recently...
September 1, 2025
Read More
Blog Feature Images (27)
Blog
How to Increase Your Mortgage Borrowing Power as a Foreign National
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying a home in...
August 29, 2025
Read More
Foreign payslips UK mortgage documentation checklist
Blog
Do UK Banks Accept Foreign Payslips for Mortgage Applications?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Why This Matters For...
August 28, 2025
Read More
Foreign national remortgage advice UK
Blog
Remortgaging as a Foreign National: What You Need to Know After Your First Fixed Term
Your home/property may be repossessed if you do not keep up repayments on a mortgage When you first take...
August 27, 2025
Read More
Blog Feature Images (24)
Blog
Why Mortgage Protection Matters for Foreign Nationals in the UK
Your home/property may be repossessed if you do not keep up repayments on a mortgage For many foreign...
August 26, 2025
Read More
Blog Feature Images (23)
Blog
What Happens When Your Fixed-Rate Mortgage Ends in the UK?
Your home/property may be repossessed if you do not keep up repayments on a mortgage For many homeowners,...
August 25, 2025
Read More
Blog Feature Images (22)
Blog
What Happens After a Mortgage Offer in the UK? A Guide for Foreign Nationals
Your home/property may be repossessed if you do not keep up repayments on a mortgage Getting your UK...
August 22, 2025
Read More
Blog Feature Images (21)
Blog
Mortgage Affordability for Foreign Nationals in the UK: How Much Can You Really Borrow?
Your home/property may be repossessed if you do not keep up repayments on a mortgage For many foreign...
August 21, 2025
Read More
Blog Feature Images (20)
Blog
Securing a Mortgage Pre-Approval (Agreement in Principle) in the UK
Your home/property may be repossessed if you do not keep up repayments on a mortgage For many foreign...
August 20, 2025
Read More
Blog Feature Images (19)
Blog
How to Prove Your Income for a UK Mortgage as a Foreign National
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying a home in...
August 14, 2025
Read More
Couple applying for a UK mortgage with partner on visa
Blog
Can You Buy a Home in the UK with a Partner on a Visa?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re wondering...
August 13, 2025
Read More
Foreign national reviewing UK visas mortgage eligibility list before applying
Blog
Which UK Visas Allow You to Apply for a Mortgage in the UK?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Many foreign nationals...
August 12, 2025
Read More
Foreign national reviewing options for UK mortgage without ILR
Blog
Can You Get a UK Mortgage Without Indefinite Leave to Remain?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Many foreign nationals...
August 11, 2025
Read More
Foreign national reviewing UK mortgage requirements for visa holders
Blog
UK Mortgage Requirements for Visa Holders: What You Need to Know Before Applying
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re living...
August 8, 2025
Read More
Graph showing how UK mortgage overpayments reduce interest and loan term.
Blog
How UK Mortgage Overpayments Could Save You Thousands (Even as a Foreign National)
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
August 7, 2025
Read More
Foreign national reviewing hidden costs of buying a UK home
Blog
Hidden Costs of Buying a UK Home as a Foreign National
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
August 6, 2025
Read More
Should you rent or buy a UK home as a foreign national?
Blog
Should Foreign Nationals Rent or Buy in the UK?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
August 5, 2025
Read More
Foreign national preparing UK mortgage paperwork at home
Blog
What Documents Do Foreign Nationals Need for a UK Mortgage?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
August 4, 2025
Read More
Skilled Worker visa holder reviewing UK job contract
Blog
How Long Should I Be Employed Before Applying for a UK Mortgage?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re a foreign...
August 1, 2025
Read More
Foreign national applying for a UK mortgage on a fixed-term contract
Blog
Can I Use a Fixed-Term or Temporary Contract for a UK Mortgage?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
July 31, 2025
Read More
Gifted deposit UK mortgage approval guide for foreign nationals
Blog
How to Get a UK Mortgage with a Gifted Deposit
Your home/property may be repossessed if you do not keep up repayments on a mortgage Using a gifted deposit...
July 29, 2025
Read More
Smiling Skilled Worker visa holder couple discussing UK mortgage with adviser
Blog
Can I Get a UK Mortgage as a Newly Arrived Skilled Worker?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Can Skilled Worker...
July 24, 2025
Read More
UK mortgage visa holders guide for lenders
Blog
Do UK Mortgage Lenders Accept Visa Holders?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
July 23, 2025
Read More
Image showing what to do after a mortgage declined foreign national case.
Blog
What to Do If Your Mortgage Application Is Declined
Your home/property may be repossessed if you do not keep up repayments on a mortgage Getting a mortgage...
July 22, 2025
Read More
Foreign national couple discussing UK mortgage with advisor
Blog
Common Mortgage Mistakes Foreign Nationals Should Avoid
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying your first...
July 11, 2025
Read More
Laptop showing a UK mortgage application being completed by someone with a limited credit profile
Blog
Can I Get a UK Mortgage with a Limited Credit Profile?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re new to...
July 9, 2025
Read More
uk-mortgage-foreign-income-documents
Blog
Can I Use Foreign Income for a UK Mortgage?
Your home/property may be repossessed if you do not keep up repayments on a mortgage Buying a home in...
July 8, 2025
Read More
Foreign national reviewing credit score for UK mortgage application on laptop
Blog
What Credit Score Do Foreign Nationals Need for a UK Mortgage?
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
July 8, 2025
Read More
uk-mortgage-process-for-foreign-nationals-step-guide
Blog
Step-by-Step Mortgage Approval Process for Foreign Nationals
Your home/property may be repossessed if you do not keep up repayments on a mortgage Turning Your Homeownership...
May 13, 2025
Read More
Foreign national applying for a UK mortgage online with documents ready
Blog
Ultimate Guide to Getting a UK Mortgage as a Foreign National in 2025
Your home/property may be repossessed if you do not keep up repayments on a mortgage Getting a UK mortgage...
March 25, 2025
Read More
visa-holder-reviewing-uk-mortgage-deposit-options
Blog
UK Mortgage Deposit for Visa Holders: What You Need to Know
Your home/property may be repossessed if you do not keep up repayments on a mortgage If you’re...
March 25, 2025
Read More
First Time Finance logo – UK mortgage specialists for foreign nationals

Need Mortgage Advice? Speak To A Specialist!

Start Your Mortgage Journey
Home
Services
About Us
First Time Hub
Contact Us
Get in Touch
0203 5764 870
hello@firsttimefinance.co.uk
Instagram Youtube Linkedin-in

Privacy Policy   Terms & Conditions   Cookie Policy  Complaints Procedure

Salgueiro Financial Ltd, trading as First Time Finance, is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. Salgueiro Financial Ltd is registered in England and Wales with company number 14305982. Registered Office: 124 City Road, London, United Kingdom, EC1V 2NX

View our entry on the Financial Services Register.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

 

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 – £695 and this will be discussed and agreed with you at the earliest opportunity.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

SALGUEIRO FINANCIAL LTD will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information. 

Why do you need my data and what will it be used for? We need to know your basic personal data so we can contact you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK. 
Who is my data shared with? Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details. 
How long do you keep my data for? We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing your data.
To do this, please contact hello@firsttimefinance.co.uk. 
What are my rights? You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office.
 
 
 
 
 
 
First Time Finance logo – UK mortgage specialists for foreign nationals

Start Your UK Mortgage Journey With Confidence

Fill in a few quick details below and we’ll be in touch to guide you through your next steps.

Ready to Buy Your First UK Home?
Speak to a mortgage specialist who understands your journey.
WhatsApp Icon Send a WhatsApp Message Message Us