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 2026-05-03. Information only — not advice.
Your situation
High Street Lenders
- Bank of Ireland— Up to 75% LTV; case-by-case (90% LTV with £75k+ single/£100k+ joint income)
- Clydesdale Bank— Up to 85% LTV (90% with £75k+ income); min 9 months on visa, 3+ yrs UK
- Halifax— Up to 95% LTV, no minimum visa remaining
- Nationwide— Up to 95% LTV, min 12 months on visa
- NatWest— Up to 75% LTV without PR; 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
- Chorley Building Society— Up to 95% LTV; min 12 months on visa, 3+ years UK residency
- Darlington Building Society— Up to 90% LTV (Professionals); no minimum visa remaining
- Dudley Building Society— Up to 90% LTV, min 12 months on visa
- Furness Building Society— Up to 90% LTV; no minimum visa remaining; 12 months UK residency
- Hanley Economic Building Society— Up to 95% LTV; no minimum visa remaining; 3+ years UK residency
- Harpenden Building Society— Up to 80% LTV, case-by-case
- Hinckley & Rugby Building Society— Up to 95% LTV, no minimum visa remaining
- Marsden Building Society— Up to 95% LTV, min 12 months on visa, 2+ yrs UK
- Newcastle Building Society— Up to 95% LTV; min 3 months on visa AND 2 years UK residency
- Nottingham Building Society— Up to 95% LTV; no minimum visa remaining, no minimum UK time
- Principality Building Society— Up to 95% LTV; min 12 months on visa, 2 yrs UK address history
- Progressive Building Society— Northern Ireland only; up to 95% LTV; min 12 months on visa
- Saffron Building Society— Up to 95% LTV; no minimum visa remaining; 2+ yrs UK
- Skipton Building Society— Up to 90% LTV; min 12 months on visa, 1 yr UK, £40k+ income
- Stafford Railway Building Society— Up to 95% LTV; min 18 months on visa AND 3 years UK residency
- Suffolk Building Society— Up to 95% LTV, min 12 months on visa
- Tipton & Coseley Building Society— Up to 80% LTV; Tier 1/Tier 2 with 24 months remaining; 12 mo UK
Specialist Lenders
- Bluestone Mortgages— Up to 90% LTV, min 6 months on visa, 1+ year UK residency
- Foundation Home Loans— Up to 90% LTV, case-by-case
- Gatehouse Bank— Up to 80% LTV; min 6 months on visa
- Kensington Mortgages— Up to 70% LTV without permanent right to reside; min 24 months on visa
- Perenna— Up to 95% LTV; min 12 months on visa, 18 mo UK, £50k+ income
- The Mortgage Lender— Up to 95% LTV; min 6 months on visa, 1+ yr UK
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 many years do I need left on my visa?
Most lenders want at least 2 years remaining at application. Some accept as low as 12 months; a few require 3+ years.
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.
