Can a Skilled Worker Buy a House?

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Can a Skilled Worker Buy a House in the UK? Your Complete Mortgage Guide

Can a Skilled Worker buy a house in the UK? Yes! If you’re living and working in the UK on a Skilled Worker Visa (formerly Tier 2 Visa), you can get a mortgage and become a homeowner. Many lenders offer mortgage options with as little as 5-10% deposit, provided you meet certain criteria.

In this guide, we’ll cover:

  • Can a Skilled Worker get a mortgage in the UK?
  • What are the requirements for a Skilled Worker mortgage?
  • How much deposit do you need?
  • Which lenders offer mortgages for visa holders?
  • Tips to improve your chances of approval

Can a Skilled Worker Get a Mortgage in the UK?

Yes! If you’re on a Skilled Worker Visa, lenders will consider your mortgage application as long as you meet their criteria. Some lenders may require a higher deposit or a longer UK residency period, but many offer mortgages with just a 5-10% deposit, especially if you have a stable job and UK credit history.

If you’re a first-time buyer, you may also want to explore government schemes that could help you get on the property ladder with a lower deposit.


Mortgage Requirements for Skilled Worker Visa Holders

When applying for a mortgage on a Skilled Worker Visa, lenders consider the following key factors:

1. Minimum Time Left on Your Skilled Worker Visa

Most lenders require at least 6-12 months remaining on your visa. Some prefer 2+ years, while others accept applications with less time left if you meet other financial criteria.

2. UK Residency & Work History

Lenders favor applicants who have lived and worked in the UK for at least 1-2 years. A strong UK financial history can improve your mortgage chances.

3. Employment & Income Stability

Since your visa is tied to your job, lenders check:
✔ A full-time job with a UK-based employer
✔ A permanent contract or stable employment history
✔ A minimum salary (often £25,000+, but varies by lender)

4. Credit Score & UK Financial History

Building a UK credit history strengthens your mortgage application. To boost your score:
✔ Open a UK bank account
✔ Register on the electoral roll
✔ Use a UK credit card responsibly


How Much Deposit Do You Need for a Skilled Worker Mortgage?

Good news—Skilled Worker Visa holders can access mortgages with just a 5-10% deposit (90-95% Loan-to-Value). However, the exact deposit required depends on your situation:

Applicant Type Minimum Deposit Required
UK Citizens 5-10% (90-95% LTV)
Skilled Worker Visa Holders 5-10% (90-95% LTV) – for strong applications
Skilled Worker Visa Holders 15-25% (75-85% LTV) – if lower credit or shorter UK residency

Some lenders may require a higher deposit (15-25%) if you have a limited UK credit history, lower income, or shorter time in the UK.


Which Lenders Offer Mortgages for Skilled Worker Visa Holders?

Not all banks and building societies offer mortgages to non-UK nationals, but some specialize in Skilled Worker Visa mortgages.

Where to Find Skilled Worker Mortgages:

✔ High-street banks (dependent on residency & employment history)
✔ Specialist mortgage lenders for non-UK nationals
✔ Mortgage brokers with access to exclusive deals

Working with a mortgage broker can help you find lenders that accept Skilled Worker Visa holders.


How to Improve Your Chances of Getting a Mortgage on a Skilled Worker Visa

Want to increase your chances of approval? Follow these expert tips:

💡 Save a Bigger Deposit – A 10-25% deposit improves lender confidence.
💡 Boost Your Credit Score – Register for the electoral roll and build a UK credit history.
💡 Show Stable UK Employment – A permanent contract strengthens your application.
💡 Stay in the UK Longer – More time in the UK makes lenders more comfortable.
💡 Use a Mortgage Broker – Brokers help find visa-friendly lenders.


Final Thoughts: Can a Skilled Worker Buy a House in the UK?

Yes! Skilled Worker Visa holders can buy property in the UK with a mortgage. While you might face stricter lending criteria, you can secure a mortgage with the right preparation—especially with a stable job, a good credit score, and a strong deposit.

💬 Need help securing a Skilled Worker mortgage? Speak to a mortgage expert today to explore your options and get the best deal for your situation.

📅 Book a free initial consultation today – Click here to schedule a chat.

Understand Your Credit File

When getting ready to apply for a mortgage, you must understand your credit history. We recommend Check My File, who offer a 30-day free trial (usually £14.99 per month, you can cancel at any time)

The Check My File Report provides a summary from three credit reference agencies (Experian, Equifax & TransUnion).

Mortgage lenders use different credit reference agencies, and you can see what the lender sees before making any applications

Skilled Worker Visa Mortgage

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