Tier 2 Visa mortgages

Need a mortgage with a Tier 2 Visa? You’re in the right place. We’re specialist mortgage brokers with a proven track record of getting mortgages for people with Tier 2 Visas, like you.

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Can I get a mortgage as a foreign national on a tier 2 mortgage?

Yes, it’s absolutely possible for a foreign national to get a mortgage on a Tier 2 Visa! It’s a more difficult process though, and the mainstream lenders will probably turn you down. But there are specialist lenders who can help. It’s important to work with a specialist mortgage broker who’ll know what specialist lenders to approach for you. That way, you’ll maximise your chance of success, and get the best interest rates available to you. 

Lenders have different lending criteria when it comes to Tier 2 Visa mortgages to, but all lenders will take into account:

  • How long is remaining on your visa

  • What type of visa you have

  • How long you have lived in the UK

The majority of lenders will need you to have lived in the UK for at least 12 months before being accepted for a mortgage. It can also improve your chances if you have at least two years remaining on your visa.

Got questions?

What is a Tier 2 Visa?

A Tier 2 Visa is the main UK visa route for skilled workers. 

That is, professionals who have a certificate of sponsorship from a UK employer who has a Tier 2 sponsorship license.

Someone who is in the UK on a Tier 2 Visa can have a typical length of stay for up to 5 years and 14 days (or, alternatively, this can be up to one month after the period stated on your certificate of sponsorship), and up to 6 years if extensions are added.

After this, a ‘new entrant’ can apply for Indefinite Leave to Remain.

What’s a foreign national mortgage?

A foreign national mortgage is a mortgage for someone who:

  • Isn’t a UK resident, or doesn’t have permanent residency in the UK

  • Was born outside of the EU 

  • Has indefinite leave to remain or permanent residency

Will all lenders consider a Tier 2 Visa applicant?

Unfortunately, not all mortgage lenders will consider an applicant on a Tier 2 visa. Many mainstream lenders don’t deal with complex applications because they don’t have the experience or knowledge for how to process a mortgage that’s right for a Tier 2 visa applicant. 

However, there are specialist lenders who’ll consider your application and have competitive rates suited to foreign nationals looking to buy a property in the UK. These lenders won’t show up in your online searches - you’ll have to work with a specialist mortgage broker (like us!) to find them. Make an enquiry to speak to one of our Mortgage Experts.

How do different types of visa affect getting a UK mortgage?

The type of visa you have affects your mortgage options. 

Tier 1 or Tier 2 Work visas
Both Tier 1 and 2 visas make it easier to get a mortgage in the UK. You’re more likely to be successful the longer you have left on your visa.
Most lenders will want you to have at least 1-2 years left because it gives them the confidence you’re able to stay in the country long enough to cover your mortgage payments.

Family visa
Family visas are for people who are married and live with their spouse or blood relatives like a child or parent. You should be able to get a joint mortgage on this visa.

EU citizen
Usually, an EU citizen can get the same lending options as a UK citizen.

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

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We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


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