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 2026-04-22. 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
Building Societies
- Beverley Building Society— Up to 95% LTV, min 12 months on visa
- 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
- Principality Building Society— Up to 95% LTV, min 12 months on visa
- Progressive Building Society— Up to 95% LTV, min 12 months on visa
- Saffron Building Society— Up to 95% LTV, no minimum visa remaining
- Skipton Building Society— Up to 100% LTV, min 12 months on visa
- Suffolk Building Society— Up to 95% LTV, min 12 months on visa
Specialist Lenders
- Bluestone Mortgages— Up to 90% LTV, min 6 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
See what each of these lenders would actually offer you
No credit search, results in 2 minutes. Free for 9 lenders, £9.99 for the full 60+.
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.
