Current status
Know the exact visa or residency status, expiry date and any route to extension or settlement rather than describing it only as 'a visa'.
Residency · Less straightforward does not mean impossible
Can I get a UK mortgage if I am on a visa or have limited leave to remain?
Immigration status can affect lender criteria, but there is no single rule that describes every visa holder. Residency history, visa type, time remaining, deposit and wider circumstances can all matter.
visalimited leaveskilled workerresidencyforeign national
What this means
Lender policy varies
Immigration status can affect lender criteria, but there is no single rule that describes every visa holder. Residency history, visa type, time remaining, deposit and wider circumstances can all matter.
0%Preparation checklistNot an eligibility score
What may matter
Break the problem into the parts a lender may actually assess.
UK history
Time in the UK, address history, employment and UK credit footprint can help explain how established the financial position is.
Deposit and application structure
Deposit source, joint applicants and whether one applicant has a different residency status can affect the available route.
Prepare before applying
Turn the uncertainty into a checklist.
Mark an item when you have genuinely organised it. Progress is stored on this device and feeds into My Money Plan.
Keep current immigration-status evidence ready
Use the exact status and dates shown on official records.
Build the UK address and employment timeline
Make sure dates are consistent across the application and credit records.
Document the deposit source
Keep bank evidence and any gifted-deposit information clear.
Review the UK credit footprint
Check registration details, addresses and active commitments before applying.
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Suggested next action
Keep current immigration-status evidence readyUse the exact status and dates shown on official records.
Worth watching
Avoid creating a second problem while solving the first.
- Do not assume a rule used by one lender applies to the whole market.
- Visa expiry dates and renewal plans should be stated accurately rather than estimated.
- International deposit funds can require additional source-of-funds evidence.
Explore another situation
Mortgage problems are often combinations, not single labels.
If more than one issue applies, review each relevant page and keep the facts consistent across them.