Skilled Worker Visa Mortgage

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Skilled Worker Visa Mortgage – Secure Your Home in the UK

If you’re in the UK on a Skilled Worker Visa (formerly Tier 2 Visa) and looking to buy a home, you might be wondering whether you can get a mortgage. The good news is yes, you can! While there are some extra criteria you need to meet, plenty of lenders are open to helping skilled workers secure a mortgage and take their first step onto the property ladder.


Can You Get a Mortgage on a Skilled Worker Visa?

Absolutely! Many lenders accept applications from Skilled Worker Visa holders, but they often have additional requirements compared to UK citizens. Here’s what lenders typically look for:

  • Time Spent in the UK – Some lenders require you to have been in the UK for at least 12 months, while others are happy to consider you from day one of your visa.

  • Deposit Requirements – Most lenders prefer at least a 10% deposit, though some may accept as little as 5% depending on your circumstances.

  • Income & Employment – A stable job and a good income are key. If your visa has a short time left, lenders may need reassurance from your employer about your job security.

  • Credit History – A UK credit history helps, but if you’re new to the UK, some lenders will still consider your application with alternative checks.

  • Visa Length – If you have at least 2 years left on your visa, you’ll have more lender options. If it’s less, lenders may ask for a larger deposit or proof of extension plans.


What Mortgage Options Are Available?

As a Skilled Worker Visa holder, you have access to the same types of mortgages as UK citizens, including:

  • Fixed-Rate Mortgages – Lock in your interest rate for a set number of years, ensuring stable monthly payments.

  • Variable-Rate Mortgages – Rates can go up or down depending on market conditions.

  • Help to Buy Schemes – Some government-backed schemes may be available depending on your visa status and deposit.

  • Specialist Lenders – If you’re struggling to meet standard lender requirements, there are specialist lenders who cater specifically to visa holders.


Real-Life Case Study: How We Helped a Skilled Worker Secure a Mortgage

Comfort moved to the UK on a Skilled Worker Visa to work as a Healthcare Asisstant. She had been in the UK for just 12 months and had saved a 10% deposit but was worried about getting a mortgage without a long credit history.

After speaking with us, we found a lender who accepted her application based on her stable employment and strong financial position. She secured a 2-year fixed-rate mortgage and moved into her first home within 8 weeks!


What If You Have Less Than 2 Years Left on Your Visa?

While having at least 2 years left on your visa makes getting a mortgage easier, it’s not always a dealbreaker. Some lenders will still consider your application if you:

  • Have a permanent job offer with your employer confirming plans to extend your contract.

  • Can offer a larger deposit (usually 15% or more).

  • Have a strong credit and financial profile showing stability and affordability.


How to Improve Your Chances of Getting Approved

  1. Build Your UK Credit History – Register on the electoral roll, pay bills on time, and use a UK bank account.

  2. Save a Larger Deposit – The bigger your deposit, the more mortgage options you’ll have.

  3. Show Stable Employment – A full-time job with a reputable employer strengthens your application.

  4. Work with a Mortgage Broker – We have access to lenders who understand the challenges of getting a mortgage on a visa.


Get Expert Help for Your Skilled Worker Visa Mortgage

Mondo Mortgages specialises in helping Skilled Worker Visa holders find the best mortgage deals. Whether you’re a first-time buyer or moving home, we can match you with lenders who understand your situation.

💬 Want to know your options?

📅 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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