Can an Ancestry Visa Holder Buy a House?
Can an Ancestry Visa Holder Buy a House in the UK? Your Complete Mortgage Guide
Can an Ancestry Visa holder buy a house in the UK? Yes! If you have a UK Ancestry 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 an Ancestry Visa holder get a mortgage in the UK?
- What are the requirements for an Ancestry Visa mortgage?
- How much deposit do you need?
- Which lenders offer mortgages for visa holders?
- Tips to improve your chances of approval
Can an Ancestry Visa Holder Get a Mortgage in the UK?
Yes! If you’re on an Ancestry 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.
The UK Ancestry Visa allows Commonwealth citizens with a grandparent born in the UK to live and work in the country for up to five years, after which you can apply for Indefinite Leave to Remain (ILR). Since this visa offers a clear path to permanent residency, many lenders view Ancestry Visa holders as low-risk applicants, making it easier to secure a mortgage compared to other visa types.
Mortgage Requirements for Ancestry Visa Holders
When applying for a mortgage on an Ancestry Visa, lenders consider the following key factors:
1. Minimum Time Left on Your Ancestry Visa
Most lenders require at least 6-12 months remaining on your visa at the time of application. However, since Ancestry Visa holders can extend their stay or apply for ILR, some lenders are more flexible compared to other visa types.
2. UK Residency & Work History
Lenders prefer applicants who have lived and worked in the UK for at least 1-2 years. A stable UK residency history strengthens your mortgage application.
3. Employment & Income Stability
Since your visa allows full-time employment, lenders will assess:
✔ A stable job with a UK-based employer
✔ A permanent contract or consistent employment history
✔ A minimum salary (often £25,000+, but varies by lender)
4. Credit Score & UK Financial History
A strong UK credit history improves your chances of mortgage approval. To build your credit score:
✔ Open a UK bank account
✔ Register on the electoral roll
✔ Use a UK credit card responsibly
How Much Deposit Do You Need for an Ancestry Visa Mortgage?
Good news—Ancestry Visa holders can access mortgages with just a 5-10% deposit (90-95% Loan-to-Value). However, the exact deposit required depends on your circumstances:
Applicant Type | Minimum Deposit Required |
---|---|
UK Citizens | 5-10% (90-95% LTV) |
Ancestry Visa Holders | 5-10% (90-95% LTV) – for strong applications |
Ancestry 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 Ancestry Visa Holders?
Not all banks and building societies offer mortgages to non-UK nationals, but many lenders view Ancestry Visa holders as lower-risk applicants compared to other visa types.
Where to Find Ancestry Visa Mortgages:
✔ High-street banks (depending on residency & employment history)
✔ Specialist mortgage lenders for non-UK nationals
✔ Mortgage brokers with access to exclusive deals
Using a mortgage broker can help you find lenders that accept Ancestry Visa holders and secure competitive mortgage rates.
How to Improve Your Chances of Getting a Mortgage on an Ancestry 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 an Ancestry Visa Holder Buy a House in the UK?
Yes! Ancestry Visa holders can buy property in the UK with a mortgage. While you might face stricter lending criteria compared to UK citizens, 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 an Ancestry Visa 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.

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