Residency & Visa
Can I Get a UK Mortgage on a Ukraine Scheme Visa?
It can be possible. UK lenders do not publish a separate policy for the Ukraine Family Scheme, Homes for Ukraine or the Ukraine Permission Extension. Expect all three to be treated as a time-limited visa, so the two rules that decide your case are how many months remain on your permission and how long you have lived in the UK.
Which rule do lenders apply to Ukraine scheme leave?
The Ukraine schemes grant limited leave to remain (originally up to 3 years, with the Ukraine Permission Extension adding a further 18 months). Since 8 April 2026, UPE holders within 90 days of their permission expiring can apply for a further 24 months, with any time still left on the current grant added on. Lenders group every form of limited leave together and ask two questions:
- Months remaining on the permission. Minimums range from none at all to 24 months or more. On our Skilled Worker visa page, 18 of the 50 listed lenders still lend with 6 months or less remaining; the rest need longer.
- Time in the UK. Most visa-friendly lenders want 12–36 months of UK address history; a few have no minimum. Applicants with under 2 years in the UK have 31 lenders to choose from in our data.
We have not found a single lender criteria document that names the Ukraine schemes as an accepted or declined visa class, so we do not publish a Ukraine-specific lender table — a list built by guessing would be worse than none. The two pages below carry the lender-by-lender answers for the rules that will be applied to you.
Information only — not advice.
Which lenders lend on a time-limited visa?
50 lenders, filterable by whether you have more than 6 months remaining — the same months-remaining test applies to Ukraine scheme leave.
See the lender listLess than 2 years in the UK?
31 lenders consider applicants with a short UK address history — the time-in-UK test most Ukraine scheme arrivals from 2024 onwards will face.
See the lender listWhat changes if you get settled status later?
Ukraine scheme leave is not itself a route to settlement, but anyone who later moves onto a settlement route and reaches indefinite leave to remain is treated by most lenders much like a UK citizen. Until then, the practical steps are the same as for any visa holder: apply while plenty of months remain on your current permission, build a UK credit footprint (a UK bank account, phone contract and electoral-roll entry where eligible), and keep your income in sterling — foreign-currency income narrows the lender pool further. EU citizens who hold pre-settled status instead should read the pre-settled status page, which has its own lender list.
Frequently asked questions
Is a Ukraine scheme visa treated like a Skilled Worker visa by mortgage lenders?
Lenders don't say so in their criteria, but it is time-limited leave, so expect the same two tests they apply to any temporary visa — how many months remain on the permission, and how long you have lived in the UK. Lenders publish those rules for Skilled Worker visas, which is why we point you at that list (50 lenders) rather than inventing a Ukraine-specific one.
Does the Ukraine Permission Extension count as enough time remaining?
It depends on the lender's minimum. Some lenders want no minimum remaining, some want 6 or 12 months, and a few want 24 months or more. On our Skilled Worker page, 18 of the 50 listed lenders will still lend with 6 months or less remaining — the rest need longer. Since 8 April 2026, UPE holders can apply for a further 24 months of permission once they are within 90 days of expiry, and any time left on the current grant is added on. If your first 18-month grant is running low, extending first can move you back into more lenders' minimums.
I arrived under Homes for Ukraine in 2022 — does time in the UK help?
Yes. Most lenders that accept visa holders want 12 to 36 months of UK address history, and by around 3 years you clear most of those thresholds. If you have been here under 2 years, 31 lenders in our data still consider applications — see the "less than 2 years in the UK" page.
See what each lender could lend you
Run one check across 57 UK lenders, filtered to your visa and residency position, and see estimated maximum-borrowing figures. Free, and no credit search.
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