Which UK Lenders Lend on a Spouse or Partner Visa?
Most UK lenders will consider spouse and partner visa holders, usually alongside a British or settled joint applicant. Time remaining on the visa and UK residency history drive which lenders are open — a small number want indefinite leave to remain only.
As of 2026-09-13, published criteria from 54 of the 76 UK lenders whose published criteria we track can accommodate this scenario — 9 high-street, 29 building societies and 16 specialist — with minimum deposits from 2.5%.
Data refreshed 2026-09-13. Information only — not advice.
Your situation
High Street Lenders
- AIB— Up to 95% LTV, min 12 months on visa
- Bank Of Ireland— Up to 95% LTV, no minimum visa remaining
- Barclays— Up to 95% LTV, min 60 months on visa
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV, min 1 month on visa
- Nationwide— Up to 95% LTV, min 12 months on visa
- Natwest— Up to 95% LTV, min 6 months on visa
- Santander— Up to 95% LTV, min 3 months on visa
- TSB— Up to 95% LTV, min 18 months on visa
Building Societies
- Accord— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds), min 6 months on visa
- Beverley BS— Up to 95% LTV, min 12 months on visa
- Buckinghamshire BS— Up to 95% LTV
- Cambridge BS— Up to 95% LTV, no minimum visa remaining
- Chorley BS— Up to 95% LTV, min 12 months on visa
- Cumberland BS— Up to 95% LTV, case-by-case
- Darlington BS— Up to 95% LTV (80% for London/M25 remortgage), no minimum visa remaining
- Dudley BS— Up to 90% LTV, min 12 months on visa
- Earl Shilton BS— Up to 95% LTV, no minimum visa remaining
- Furness BS— Up to 95% LTV, no minimum visa remaining
- Hanley BS— Up to 95% LTV, no minimum visa remaining
- Harpenden BS— Up to 85% LTV
- Hinckley Rugby BS— Up to 95% LTV, no minimum visa remaining
- Mansfield BS— Up to 95% LTV
- Marsden BS— Up to 80% LTV, min 12 months on visa
- Melton BS— Up to 95% LTV (interest-only 60%, London 60%), min 24 months on visa
- Newcastle BS— Up to 95% LTV, min 3 months on visa
- Nottingham BS— Up to 95% LTV, no minimum visa remaining
- Penrith BS— Up to 95% LTV, min 24 months on visa
- Principality— Up to 95% LTV, min 12 months on visa
- Progressive BS— Up to 95% LTV, min 12 months on visa
- Saffron BS— Up to 95% LTV, no minimum visa remaining
- Scottish BS— Up to 95% LTV, min 36 months on visa, case-by-case
- Skipton— Up to 95% LTV (its 100% Track Record product is clean-credit only), min 12 months on visa
- Stafford BS— Up to 95% LTV, min 18 months on visa
- Suffolk BS— Up to 95% LTV, min 12 months on visa
- Swansea BS— Up to 80% LTV
- Tipton Coseley BS— Up to 95% LTV, min 24 months on visa
- West Brom— Up to 95% LTV, no minimum visa remaining
Specialist Lenders
- Bluestone— Up to 90% LTV, min 6 months on visa
- Central Trust— Remortgage and capital-raising only — does not currently lend on property purchases, case-by-case
- Coutts— 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 95% LTV, min 12 months on visa
- Generation Home— Up to 95% LTV, no minimum visa remaining
- Hodge— Up to 95% LTV, min 24 months on visa
- Kensington— Up to 95% LTV, min 24 months on visa
- Norton— Up to 85% LTV, no minimum visa remaining
- Pepper— Up to 90% LTV, min 12 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, case-by-case
- UTB— Up to 95% LTV, case-by-case
- Vida— Up to 97% LTV, no minimum visa remaining
- West One— Up to 97.5% LTV, min 24 months on visa
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy some lenders say no
- Some lenders require indefinite leave to remain and decline all time-limited visas.
- Little time left before the visa's expiry or BRP end date — several lenders want 6-24 months remaining at application.
- Applying solo: some lenders only accept a spouse-visa applicant jointly with a British citizen or someone with settled status.
- High-LTV borrowing (90-95%) is often restricted for visa holders, so a small deposit narrows the pool.
Related reading: Which lenders lend on a Skilled Worker visa? · Foreign nationals mortgage guide · Spouse & partner visa mortgages — specialist deep-dive
See an estimate of what each of these lenders might lend you
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Run My Affordability CheckFrequently asked questions
Can we apply jointly if my partner is British?
Yes, and it usually helps a lot. A joint application with a British or settled-status partner satisfies many lenders' residency rules by itself, and some lenders that would decline a solo spouse-visa applicant will lend to the couple. Both incomes can still count.
How much time do I need left on the visa?
Policies range from no stated minimum up to 24 months remaining. If you are close to a visa renewal or an ILR application, some lenders will proceed with evidence of the extension application rather than making you wait.
Does it matter that a spouse visa doesn't require a job?
Lenders assess your income the same way they would anyone else's — employed, self-employed or benefits-based. The visa type mainly affects the residency rules, not the income rules, so a working spouse-visa holder is assessed on normal criteria.
Will we need a bigger deposit?
Often, but not always. Several lenders limit visa holders to 75-85% LTV, while others go to 90-95% — particularly where one applicant is British or has ILR. The deposit filter above shows how the lender pool changes at each deposit level.
