Yes. It’s definitely possible for a foreign national to get a mortgage in the UK. Most lenders won’t consider you, but there are specialist lenders who will. It’s important to work with a specialist mortgage broker who will know what specialist lenders to approach for you. That way, you’ll maximise your chance of success, and get the best rates available to you.
Lenders have different lending criteria when it comes to giving mortgages to foreign nationals, but all lenders will take into account:
How long is remaining on your visa
What type of visa you have
How long you have lived in the UK
The majority of lenders will require that you’ve lived in the UK for at least 12 months before being accepted for a mortgage. It can also improve your chances if you have at least two years’ remaining on your visa.
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.
Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.