Which UK Lenders Lend to Pre-Settled or Settled Status Holders?
EU / EEA / Swiss nationals with pre-settled or settled status under the EU Settlement Scheme are treated almost like UK citizens by most UK mortgage lenders. A minority still want at least 2 years of UK residency.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV, case-by-case
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV
- NatWest— Up to 95% LTV
- Santander— Up to 95% LTV
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV, case-by-case
- Virgin Money— Up to 95% LTV
Building Societies
- Accord Mortgages— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds)
- Bath Building Society— Up to 95% LTV
- Beverley Building Society— Up to 95% LTV
- Buckinghamshire Building Society— Up to 90% LTV
- Cambridge Building Society— Up to 95% LTV
- Chorley Building Society— Up to 95% LTV
- Coventry Building Society— Up to 95% LTV
- Cumberland Building Society— Up to 95% LTV
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV
- Ecology Building Society— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share)
- Family Building Society— Up to 80% LTV
- Furness Building Society— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV, case-by-case
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leeds Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV, case-by-case
- Loughborough Building Society— Up to 95% LTV
- Market Harborough Building Society— Up to 80% LTV, case-by-case
- Marsden Building Society— Up to 95% LTV
- Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV
- Newbury Building Society— Up to 95% LTV
- Newcastle Building Society— Up to 95% LTV
- Nottingham Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV
- Principality Building Society— Up to 95% LTV
- Progressive Building Society— Up to 95% LTV
- Saffron Building Society— Up to 95% LTV
- Skipton Building Society— Up to 95% LTV (its 100% Track Record product is clean-credit only)
- Stafford Railway Building Society— Up to 95% LTV, case-by-case
- Suffolk Building Society— Up to 95% LTV
- Teachers Building Society— Up to 95% LTV
- The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%)
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- Atom Bank— Up to 95% LTV, case-by-case
- Bluestone Mortgages— Up to 90% LTV, case-by-case
- CHL Mortgages— Up to 75% LTV
- Fleet Mortgages— Up to 75% LTV
- Foundation Home Loans— Up to 90% LTV
- Gatehouse Bank— Up to 80% LTV
- Hodge Bank— Up to 95% LTV
- InterBay— Up to 85% LTV
- Kensington Mortgages— Up to 95% LTV, case-by-case
- Keystone Property Finance— Up to 80% LTV
- Legal & General Home Finance— Up to 60% LTV
- Lendco— Up to 75% LTV
- LendInvest— Up to 90% LTV, case-by-case
- Norton Home Loans— Up to 80% LTV
- Perenna— Up to 95% LTV
- Precise Mortgages— Up to 95% LTV, case-by-case
- Rely Mortgages— Up to 75% LTV, case-by-case
- Skipton International— Up to 75% LTV
- The Mortgage Lender— Up to 95% LTV
- The Mortgage Works— Up to 80% LTV, case-by-case
- Together— Up to 75% LTV
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV
- Zephyr Homeloans— Up to 80% LTV, case-by-case
Why 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 · UK mortgage with foreign-currency income
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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 changed in April 2026: rather than relying only on you applying once you've built up 5 continuous years, the Home Office now automatically converts eligible pre-settled holders to settled status, using UK tax and benefit records to check activity (broadly, 30 months in the most recent 60). Those not converted automatically have their pre-settled status extended. 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. Most lenders will lend to pre-settled holders from day one of status. A few specialist lenders require 2 years of UK residency before considering the application.
Is my LTV capped?
Some lenders cap LTV at 90% (or sometimes 85%) for pre-settled applicants without ILR or settled status. Halifax, Nationwide and HSBC typically allow up to 95% with a clean profile.
Does my partner need settled status too?
If you're applying jointly with a UK citizen or ILR / settled-status holder, most lenders relax residency requirements entirely.
