Unlocking homeownership for visa holders: Your path to owning your first home in the UK

If you’re a visa holder in the UK dreaming of buying your first home, you’re not alone. Our experienced team is here to guide you through making homeownership a reality. Whether you hold an EU/EEA/Swiss pre-settled status, a family visa, or one of the various other visas listed below, we can help you achieve your homeownership goals.

1. EU/EEA/Swiss with pre-settled status:

As an EU/EEA/Swiss national with pre-settled status, you have the opportunity to become a permanent resident in the UK. This status is granted to those who have been living in the UK for less than five years. We can assist you in securing a mortgage that aligns with your pre-settled status.

2. Family Visa:

Whether you’re on a Spouse Visa, Partner Visa, or Dependent Visa, we’ll work with you to explore mortgage options suitable for your family visa status.

3. Tier 1 (Entrepreneur Visa only):

If you’re an entrepreneur on a Tier 1 (Entrepreneur) Visa, you’ve made significant contributions to the UK economy. This visa category has been replaced by the Innovator Visa, but if you hold an existing Entrepreneur Visa, we can provide guidance on mortgage solutions that cater to the unique financial circumstances of entrepreneurs.

4. Tier 2 (Skilled Worker):

Your skills are valued in the UK and we want to help you find a home that suits your needs. Our expertise can assist you in securing a mortgage that aligns with your Tier 2 (Skilled Worker) status, ensuring that you can settle comfortably in the UK while you contribute to the country’s workforce.

5. UK Ancestry Visa:

If you have UK ancestry, your connection to the UK runs deep. The UK Ancestry Visa is for Commonwealth citizens who have a grandparent born in the UK.

6. British National (Overseas) Visa:

British National (Overseas) visa holders have unique circumstances, especially considering the recent changes in status for Hong Kong residents.

7. Senior or Specialist Worker Visa:

If you hold a Senior or Specialist Worker Visa, your expertise is highly sought after. We can help you find a mortgage that reflects your expertise in the UK job market and professional standing.

8. Health and Care Worker Visa:

Health and care workers play a vital role in the UK’s wellbeing and your contributions are invaluable.

How we can help you:

• Navigating the complex world of mortgages can be daunting and with our expertise, you won’t have to do it alone.
• Personalized Guidance: We’ll work closely with you to assess your financial circumstances and tailor mortgage solutions that suit your needs.
• Access to Lenders: Our network of lenders includes those who specialize in working with visa holders.
• Financial Planning: We’ll provide expert financial planning advice to ensure that your homeownership journey aligns with your long-term financial goals.
• Insurance Solutions: Our team can offer Protection Insurance advice helping you secure the necessary coverage to protect your home and loved ones.

Owning your first home in the UK is an exciting milestone which our mortgage experts can help you reach.

Published November 2023

It is important to take professional advice before making any decision relating to your personal finances. Information on this page is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for information purposes only.