09/07/2026
🌍 Foreign National Mortgages – More Options Than You Might Think
Many people assume that getting a mortgage in the UK as a foreign national is difficult, but several mainstream lenders offer competitive solutions.
🏦 Barclays
Barclays can consider applicants based on their residency status and length of time living in the UK.
✔ Up to 90% LTV available for applicants who have been in the UK for more than 12 months, even without Permanent Rights to Reside, subject to criteria.
✔ Applicants with Permanent Rights to Reside, Settled Status or Pre-Settled Status may be considered up to 90% LTV, even if they've lived in the UK for less than a year, subject to underwriting.
✔ Additional checks typically include UK bank statements, payslips and evidence of deposit funds.
🏡 Halifax
Halifax can offer up to 95% LTV for eligible foreign national applicants, making homeownership accessible with a smaller deposit than many people expect.
Every case is assessed individually, with factors such as visa status, residency history, income and deposit source all playing an important role.
If you're new to the UK, on a visa, or unsure whether you'll qualify, don't assume the answer is no. There may be more options available than you realise.
📩 Get in touch to discuss your circumstances and explore what's possible.
📩 [email protected] | 📞 01224 289730
Lending criteria, affordability assessments and eligibility requirements apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
