Which UK Lenders Lend on a Skilled Worker Visa?
Most UK lenders will consider Skilled Worker visa holders, but the years remaining on the visa and minimum UK residency matter. A small number decline entirely.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
High Street Lenders
- Halifax— Up to 95% LTV, no minimum visa remaining
- Nationwide— Up to 95% LTV, min 12 months on visa
- NatWest— Up to 95% LTV, min 6 months on visa
- TSB— Up to 95% LTV, min 18 months on visa
Building Societies
- Beverley Building Society— Up to 95% LTV, min 12 months on visa
- Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley Building Society— Up to 90% LTV, min 12 months on visa
- Furness Building Society— Up to 95% LTV, no minimum visa remaining
- Hinckley & Rugby Building Society— Up to 95% LTV, no minimum visa remaining
- Marsden Building Society— Up to 95% LTV, min 12 months on visa
- Newcastle Building Society— Up to 95% LTV, min 3 months on visa
- Nottingham Building Society— Up to 90% LTV with UK (2yr+) or approved overseas credit data, 75% without — no minimum visa remaining
- Principality Building Society— Up to 95% LTV, min 12 months on visa
- Progressive Building Society— Up to 95% LTV, min 12 months on visa
- Skipton Building Society— Up to 95% LTV (its 100% Track Record product is clean-credit only), min 12 months on visa
- Stafford Railway Building Society— Up to 95% LTV, min 18 months on visa
- Suffolk Building Society— Up to 95% LTV, min 12 months on visa
- Tipton & Coseley Building Society— Up to 95% LTV, min 24 months on visa
Specialist Lenders
- Bluestone Mortgages— Up to 90% LTV, min 6 months on visa
- Kensington Mortgages— Up to 95% LTV, min 24 months on visa
- Perenna— Up to 95% LTV, min 12 months on visa
- The Mortgage Lender— Up to 95% LTV, min 6 months on visa
Why some lenders say no
- Some lenders require 2+ years remaining on the visa at application.
- A small number decline all work-visa applicants in favour of ILR only.
- High-LTV products (90-95%) are often restricted for visa applicants.
Related reading: UK mortgage with foreign-currency income · Foreign nationals mortgage guide
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Run My Affordability CheckFrequently asked questions
How much time do I need left on my visa?
Policies range from no minimum at all up to 24 months remaining. Around half the lenders on this list accept 6 months or less; the stricter ones want 12-24 months. More time remaining always widens the pool.
Do I need ILR?
No. ILR widens the lender pool but isn't required. Skilled Worker, Spouse, and Health & Care Worker visas are commonly accepted.
Does my salary in the visa Certificate of Sponsorship count?
The lender looks at actual PAYE income (payslips and contract) — not the CoS salary figure — when calculating affordability.
What about deposit sources if I'm new to the UK?
Gifts from family are generally fine. Funds held abroad may need translation and source-of-funds evidence. Some lenders require 3-6 months of UK account history.
