Which UK Lenders Lend to Pre-Settled or Settled Status Holders?
EU / EEA / Swiss nationals with settled status under the EU Settlement Scheme are usually assessed much like UK residents. Pre-settled status is treated more cautiously: some lenders cap the LTV, and a minority still want at least 2 years of UK residency.
As of 2026-09-13, published criteria from 56 of the 75 UK lenders whose published criteria we track indicate they may consider this scenario — 11 high-street, 32 building societies and 13 specialist — with minimum deposits from 2%.
Data refreshed 2026-09-13. Information only — not advice.
Your situation
High Street Lenders
- Bank Of Ireland— Up to 75% LTV (90% with £75,000 sole / £100,000 joint income)
- Barclays— Up to 95% LTV
- Co Operative Bank— Up to 95% LTV; wants a 3-year UK history
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV; wants a 3-year UK history
- Natwest— Up to 95% LTV
- Santander— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV; wants a 3-year UK history
Building Societies
- Accord— Up to 90% LTV for pre-settled status
- Bath BS— Up to 95% LTV
- Beverley BS— Up to 95% LTV
- Buckinghamshire BS— Up to 95% LTV
- Cambridge BS— Up to 95% LTV
- Chorley BS— Up to 95% LTV
- Coventry BS— Up to 95% LTV; wants 2 years' UK residence and employment
- Darlington BS— Up to 95% LTV (80% inside the M25, purchase or remortgage)
- Dudley BS— Up to 90% LTV
- Earl Shilton BS— Up to 90% LTV
- Ecology BS— Green-gated lending only: every product requires the property to meet Ecology's ecological/EPC criteria. LTV varies by product: Eco-Home 80%, Renovation 80-90%, Self-build 65-80%, Conversion 80%, Community Living 90%, Shared Ownership 95% of the share, Affordable Local Homes (discounted market sale) 95%, First Homes (Scotland) 95%
- Furness BS— Up to 95% LTV
- Hinckley Rugby BS— Up to 95% LTV
- Leeds BS— Up to 95% LTV; usually wants 2 years in the UK
- Loughborough BS— Up to 95% LTV
- Market Harborough BS— Loans from £200,000 only (property value from £250,000). Up to 80% LTV
- Marsden BS— Up to 80% LTV
- Melton BS— Up to 95% LTV (interest-only up to 75%)
- Monmouthshire BS— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV
- Newbury BS— Up to 90% LTV
- Newcastle BS— Up to 95% LTV
- Nottingham BS— Up to 95% LTV
- Penrith BS— Up to 95% LTV
- Principality— Up to 95% LTV
- Progressive BS— Northern Ireland properties only (in England: Openwork advisers, some South-East postcodes, houses only, loans from £200,000). Up to 95% LTV
- Saffron BS— Up to 95% LTV
- Skipton— Up to 95% LTV (100% on its Track Record mortgage for renters with 12 months' rent paid: no missed payments in the last 6 months, otherwise Skipton's standard credit rules apply)
- Stafford BS— Up to 95% LTV
- Suffolk BS— Up to 95% LTV
- Tipton Coseley BS— Up to 95% LTV
- Vernon BS— Up to 95% LTV
- West Brom— Up to 90% LTV on its Foreign National range; wants a 3-year UK history
Specialist Lenders
- Aldermore— Up to 98% LTV; wants 2 years in the UK first
- Atom Bank— Up to 95% LTV
- Foundation— Up to 90% LTV
- Gatehouse— Up to 95% LTV
- Generation Home— Up to 95% LTV
- Hodge— Up to 95% LTV
- Kensington— Up to 95% LTV; wants 2 years in the UK first
- Norton— Up to 85% LTV
- Perenna— Up to 95% LTV
- Precise— Up to 95% LTV
- The Mortgage Lender— Up to 95% LTV
- Vida— Up to 97% LTV
- West One— Up to 97.5% LTV
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are indicative estimates, not offers.
See your figuresWhy some lenders say no
- Some lenders require 2+ years of UK residency before considering pre-settled status.
- Lenders occasionally cap LTV (e.g. 90%) for pre-settled applicants without ILR.
- Visa holders not under the EU Settlement Scheme fall under a different set of criteria.
Related reading: Foreign nationals mortgage guide
See an estimate of what lenders might lend you
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The check uses 57 lenders' affordability calculators, so it isn't the same list as the lenders above.
Run My Affordability CheckFrequently asked questions
What is the difference between pre-settled and settled status?
Settled status is equivalent to Indefinite Leave to Remain, and lenders treat it far more favourably than pre-settled. The route to it has changed: since January 2025 the Home Office automatically converts eligible pre-settled holders to settled status, using UK tax and benefit records, rather than relying only on you applying once you've built up 5 continuous years. Those not converted automatically have their pre-settled status extended. The qualifying test has been changing, so check the current EU Settlement Scheme rules on gov.uk. Two things matter for a mortgage: check your UKVI account to see which status you currently hold before applying, and be aware the Home Office has also been removing pre-settled status where continuous residence was broken. Check gov.uk for your own position — this area is moving.
Do I need 5 years in the UK to get a mortgage?
No. Halifax, HSBC, Barclays, NatWest, Santander and TSB apply their standard criteria to pre-settled holders. Others want time in the UK first, typically 2 to 3 years: Kensington, Aldermore, Coventry and Leeds 2 years, and Nationwide, Virgin Money, Co-op and West Brom a 3-year UK history. Each lender's row in the list above shows its condition.
Is my LTV capped?
Some lenders cap the LTV for pre-settled applicants without ILR or settled status: Accord at 90%, West Brom at 90% on its Foreign National range, and Bank of Ireland at 75%, or 90% with £75,000 sole / £100,000 joint income. Others, including Halifax and HSBC, apply their standard LTV limits, subject to their other criteria.
Does my partner need settled status too?
If you're applying jointly with a UK citizen or ILR / settled-status holder, many lenders relax their residency requirements.