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 those with stable income and the right documents. With tailored support and the correct mortgage strategy, your UK homeownership journey can begin sooner than you think.
What Is a Skilled Worker Visa?
A Skilled Worker visa allows you to live and work in the UK in a sponsored role, typically lasting 3 to 5 years. It’s common among professionals in health and social care, IT, engineering, hospitality, and education.
This visa type shows lenders that you’re in the UK long term with secure employment. That’s a positive signal when applying for a mortgage.
Do UK Lenders Accept Skilled Worker Visa Holders?
Many lenders will consider mortgage applications from Skilled Worker visa holders. Approval depends on your employment, income stability, and visa conditions. High street banks can be strict, but specialist lenders often have more flexible criteria.
Typical requirements include:
- At least one month of UK payslips
- A valid Biometric Residence Permit (BRP)
- Certificate of Sponsorship from your employer
- Proof of deposit
- Visa with at least 12 months remaining
Need more detail on lender expectations? See our Step-by-Step Mortgage Approval Process for Foreign Nationals.
How Soon Can I Apply for a UK Mortgage?
Some lenders are willing to consider your application after one UK payslip. Others prefer to see three to six months of employment.
To maximise your options, aim for:
- A stable job offer with a UK-registered employer
- A clean or limited UK credit file
A deposit of 10% or more (including from overseas sources), although it can be possible to use even just a 5% deposit!
Do I Need a UK Credit Score?
Not always. Skilled Worker visa holders can often get approved without a full UK credit history. Lenders may consider your income, visa type, and affordability instead.
That said, starting to build your UK credit file is highly recommended. You can open a UK current account, register for a mobile phone plan, or use a credit builder card.
For more tips, visit our guide: What Credit Score Do Foreign Nationals Need for a UK Mortgage?.
What Documents Do I Need?
Make sure you can provide the following:
- Valid passport and BRP
- Certificate of Sponsorship (COS)
- One to three months of UK payslips
- Employment contract
- Proof of deposit (UK or overseas)
- Visa with at least 12 months remaining
Your documentation tells lenders that you’re financially stable, legally residing in the UK, and employed long term.
Can I Apply with My Partner or a Guarantor?
Yes. Applying jointly with a spouse, partner, or trusted guarantor can improve your chances of mortgage approval. This is especially helpful if one applicant has stronger income or UK credit history.
Final Thoughts: Homeownership Is Within Reach
Whether you’ve been in the UK for one month or one year, a Skilled Worker visa doesn’t have to hold you back from homeownership. With the right guidance and a lender who understands your circumstances, you’re closer to getting on the ladder than you might think.
Need help figuring out your next steps?
Book your mortgage call with First Time Finance and we’ll walk you through it.
FAQs: UK Mortgages for Skilled Worker Visa Holders
Can I apply if I’ve only been in the UK for one month?
Yes. Some lenders will accept your application with one payslip and proof of employment.
Will my visa expiry affect my mortgage?
Lenders usually prefer at least 6–12 months remaining on your visa. Renewing early or switching to a longer-term visa can help. There are some lenders who can accept less than this.
Can I get a mortgage without a permanent contract?
Yes. Fixed-term contracts are accepted if your job is ongoing and your income is consistent.
Is a deposit from abroad acceptable?
Yes. You’ll need to provide evidence of the source of funds and may be asked to show the currency conversion.
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