Can I Get a UK Mortgage as a Newly Arrived Skilled Worker?
Can Skilled Worker Visa Holders Get a UK Mortgage? If you’ve recently moved to the UK as a Skilled Worker visa holder, buying your first home might feel like a long shot. The reality? Many foreign nationals in your position are already on the property ladder. Lenders are open to Skilled Worker visa holders, especially…
Do UK Mortgage Lenders Accept Visa Holders?
If you’re a foreign national wondering, “Do UK mortgage lenders accept visa holders?”. The answer is yes but getting approved depends on how well your case is structured from the start. At First Time Finance, we’ve helped over 400 foreign nationals on visas secure UK mortgages, even when other brokers said it wasn’t possible. Whether…
What to Do If Your Mortgage Application Is Declined
Getting a mortgage declined as a foreign national can feel like a major setback. But even if you’ve spent weeks on paperwork, there’s still hope. Many foreign nationals living in the UK face complex mortgage criteria, and a decline isn’t always the end. It’s often a sign to reassess and try again with the right…
Common Mortgage Mistakes Foreign Nationals Should Avoid
Buying your first home in the UK as a foreign national comes with challenges, and many fall into common UK mortgage mistakes foreign nationals should avoid. Here are the most common ones we see and how to avoid them. 1. Applying Without Knowing Your Eligibility One of the biggest errors we see is applying before…
Can I Get a UK Mortgage with a Limited Credit Profile?
If you’re new to the UK, your credit profile may still be very limited. That’s normal, and it doesn’t mean you can’t get a mortgage. The good news is, you can still be approved for a UK mortgage with a limited credit profile if you know how to present your case to the right lenders….
Can I Use Foreign Income for a UK Mortgage?
Buying a home in the UK as a foreign national can feel like navigating a maze, especially if you earn income abroad. One of the most common questions we get is: “Can I use foreign income for a UK mortgage?” The answer is yes, but it depends on how your income is structured, documented, and…
What Credit Score Do Foreign Nationals Need for a UK Mortgage?
If you’re a foreign national buying a home in the UK, it’s natural to ask: What credit score do I need? The answer isn’t straightforward, but it’s not the only factor that decides your approval. Why Your Credit Score Matters Lenders use your credit reports to assess: Your repayment history and financial behaviour. Likelihood of…
Step-by-Step Mortgage Approval Process for Foreign Nationals
Turning Your Homeownership Dream Into Reality Imagine this: You’ve moved to the UK for a better life. You’ve worked hard, saved up for a deposit, and are ready to buy your dream home but every time you approach a lender, you’re met with rejection. Your visa status, limited UK credit history, or unfamiliarity with the UK…
Ultimate Guide to Getting a UK Mortgage as a Foreign National in 2025
Getting a UK mortgage as a foreign national can feel overwhelming, especially if you’re new to the country or don’t have UK credit history yet. But here’s the truth: many foreign nationals can get a UK mortgage in 2025, provided you follow the right steps and work with the right lenders. This guide explains exactly…
UK Mortgage Deposit for Visa Holders: What You Need to Know
If you’re a foreign national navigating the UK mortgage landscape, understanding the UK mortgage deposit for visa holders is essential. The biggest question we hear? “How much do I actually need?” It’s a confusing, overwhelming process filled with misinformation and myths. But here’s the truth: You don’t always need a huge deposit to secure a…
Talk to a Mortgage Specialist
