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.

As of 2026-09-13, published criteria from 50 of the 75 UK lenders whose published criteria we track indicate they may consider this scenario — 10 high-street, 24 building societies and 16 specialist — with minimum deposits from 5%.

Data refreshed 2026-09-13. Information only — not advice.

Your situation

Deposit (% of property value)

Adverse credit (CCJ, default, DMP)?

More than 6 months remaining on visa?

50 of 50 lenders whose published criteria match these filters

High Street Lenders

AIB— Northern Ireland properties only. Up to 85% LTV (80% if in the UK under 1 year), min 6 months in the UK, 12 months left on the visa, min £41,700 salary, deposit mainly from own funds (not gifted)
Bank Of Ireland— Up to 75% LTV without ILR, or 90% with £75,000 sole / £100,000 joint income; no fixed minimum time left on the visa
Barclays— Up to 90% LTV without settled status after 1 year in the UK (75%, Premier/Wealth customers only, under 1 year)
Halifax— Up to 75% LTV; up to 95% after 5 years in the UK, or after 1 year with £50,000 sole / £75,000 joint income
HSBC— Up to 85% LTV with at least a 15% deposit from own funds; 12 months living in the UK, or £75,000 income (one applicant) or £100,000 joint
Metro Bank— Up to 75% LTV for visa holders; Skilled Worker visa with evidence of sponsorship, or Family visa with at least one British or settled applicant; under 3 years' UK history considered with full underwriting and a minimum credit score
Nationwide— Up to 85% LTV with £50,000 sole / £75,000 joint basic income, otherwise 75%; 12 months left on the visa; full 3-year UK address history
Natwest— Up to 75% LTV without a permanent right to reside, repayment only; 6+ months left on the visa; deposit from own resources
Santander— Up to 90% LTV without a permanent right to reside. Above 75% LTV it needs £50,000 single or £75,000 joint income after 1 year in the UK, or £200,000 if under 1 year
TSB— Up to 85% LTV with £50,000 sole / £75,000 joint income, otherwise 75%; 12 months living in the UK and 18 months left on the visa

Building Societies

Accord— Up to 90% LTV without ILR if one applicant earns £50,000+, otherwise 75% (ILR needed above 90%)
Beverley BS— Up to 80% LTV without ILR; 3 years living in the UK, 12 months left on the visa
Buckinghamshire BS— Up to 90% LTV on its Skilled Worker product; 3 years living and working in the UK
Cambridge BS— Up to 90% LTV; 2 years living in the UK
Chorley BS— Up to 90% LTV on Foreign National (Visa) products; 3 years in the UK, 12 months left on the visa
Darlington BS— Up to 90% LTV for visa holders; min £40,000 income (sole, or one applicant on a joint application); no minimum time left on the visa
Dudley BS— Up to 90% LTV, min 12 months on visa
Furness BS— Up to 90% LTV; 12 months living in the UK
Hanley BS— Up to 80% LTV for visa holders
Hinckley Rugby BS— Visa range: up to 90% LTV with no minimum time in the UK, 95% after 1 year; min £41,700 income (single)
Mansfield BS— Up to 80% LTV on its Versatility range; 2 years' UK employment and residency
Marsden BS— Up to 80% LTV via its Expat Residential range; needs 12 months living in the UK and 12 months left on the visa; minimum income £37,500 per application; at least 75% of the deposit from own savings
Melton BS— Up to 80% LTV without ILR, repayment only; all applicants must have lived in the UK for 2 years
Newcastle BS— Up to 80% LTV for visa holders (higher only by referral); 2 years living in the UK; min 3 months on visa
Nottingham BS— Up to 90% LTV with UK (2yr+) or approved overseas credit data, 75% without — no minimum visa remaining
Penrith BS— Up to 80% LTV for visa holders
Principality— Up to 95% LTV for first-time buyers (90% for home movers); 12+ months left on the visa and a 2-year UK address history
Progressive BS— Northern Ireland properties only (in England: Openwork advisers, some South-East postcodes, houses only, loans from £200,000). Up to 80% LTV, min £30,000 income each, 12 months lived in the UK and 12 months left on the visa, named professions only, applicants living in Northern Ireland
Saffron BS— Up to 90% LTV (above 75% needs £75,000 income); 2 years living in the UK
Skipton— Up to 90% LTV; 1 year living in the UK, 1 year left on the visa, min £40,000 single / £60,000 joint income
Stafford BS— Up to 90% LTV (90-95% by referral); 3 years living in the UK, 18 months left on the visa
Suffolk BS— Up to 90% LTV; 12 months living in the UK, 12 months left on the visa
Tipton Coseley BS— Up to 80% LTV for visa holders; min 24 months on visa
West Brom— Up to 90% LTV on Foreign National products (sole applications); 3 years living in the UK

Specialist Lenders

Bluestone— Up to 80% LTV after 1 year in the UK, 85% after 2 years, 90% after 3 years; min £50,000 income; min 6 months left on the visa
Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases, case-by-case
Coutts— Private bank: new clients via a broker need a loan of at least £1.5m. Up to 90% LTV, case-by-case
Cynergy— Up to 80% LTV, case-by-case
Foundation— Up to 90% LTV, case-by-case
Gatehouse— Up to 90% LTV with 12+ months left on the visa (up to 80% with any valid visa; 95% needs ILR); 6 months living in the UK
Generation Home— Up to 90% LTV; needs 2 years' UK credit history; visa must stay valid to completion
Hodge— Up to 95% LTV on a Skilled Worker, Health & Care or Global Talent visa; permanent employment needed; under 12 months in the UK considered case by case
Kensington— Up to 70% LTV without settled or pre-settled status: Tier 1/Tier 2 (Skilled Worker) visa with more than 2 years left, 2 years in the same job and income over £75,000
Norton— Up to 85% LTV, no minimum visa remaining
Pepper— Only as a joint applicant with someone who has ILR: 3 years in the UK, 12+ months left on the visa, 24 months' UK employment, up to 90% LTV
Perenna— Up to 95% LTV; the main applicant needs £50,000 income, 18 months in the UK and 12 months left on the visa
The Mortgage Lender— Up to 80% LTV after 1 year in the UK, 85% after 2 years, 90% after 3 years; min £50,000 income; min 6 months on visa
UTB— Up to 95% LTV, case-by-case
Vida— Foreign National range: up to 90% LTV with £50,000 sole / £70,000 joint income, otherwise 75%; 5% of the deposit from own funds
West One— Up to 90% LTV; at least 24 months living in the UK on a Skilled Worker, Health & Care or UK Ancestry visa

A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are indicative estimates, not offers.

See your figures

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.

See an estimate of what lenders might lend you

No credit search, results in about 5 minutes. All 57 lenders, completely free.

The check uses 57 lenders' affordability calculators, so it isn't the same list as the lenders above.

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Frequently asked questions

How much time do I need left on my visa?

Policies range from no minimum at all to several years remaining. 18 of the 50 lenders on this list still lend with 6 months or less left on the visa; most of the rest want 12 months or more. 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?

Don't count on a gift until you've checked the lender. Many lenders accept gifts from family, but several restrict them if you don't yet have settled status. NatWest, Buckinghamshire, Suffolk and Progressive want the whole deposit from your own savings. HSBC accepts a gift only on top of 15% from your own funds, AIB wants most of the deposit to be your own money, and Dudley caps gifts at half the deposit. Money from abroad usually has to be in sterling in a UK account before you apply, with evidence of where it came from (translated if needed), and some lenders won't accept deposit funds from outside the UK at all. Some lenders also want 3-6 months of UK bank statements.