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 2026-04-22. 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
- 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
- Virgin Money— Up to 95% LTV
Building Societies
- Accord Mortgages— Up to 99% LTV
- 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
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV
- Ecology Building Society— See lender criteria
- Family Building Society— Up to 80% LTV
- Furness Building Society— Up to 95% LTV
- Godiva Mortgages— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leeds Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV
- 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— 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
- Scottish Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- 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— case-by-case
- 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
- Bluestone Mortgages— Up to 90% LTV, case-by-case
- BM Solutions— Up to 80% LTV
- 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
- Keystone Property Finance— Up to 80% LTV
- Legal & General Home Finance— Up to 60% 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— case-by-case
- Skipton International— Up to 75% LTV
- The Mortgage Lender— Up to 95% LTV
- The Mortgage Works— Up to 80% LTV
- Together— case-by-case
- 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 requires 5 continuous years of UK residency and is equivalent to Indefinite Leave to Remain. Pre-settled status is granted for 5 years and can be upgraded to settled once 5 years of residency is met.
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.
