HSM Visa Mortgage

Are You on a Temporary Visa?

Raising a mortgage if you do not have permanent right to reside in the UK can be a problem. As a result, those on temporary visas should obtain expert advice before approaching any mortgage lender.

Lending Policy

Whilst a number of lenders are relatively comfortable in lending up to 75% of purchase price (or value, whichever is the lower), non-residency can lead to low credit scoring due to insufficient data on the credit file.

Where an applicant on a Highly Skilled Migrant visa requires lending in excess of 75% of the purchase price, there are very few options in the mortgage market.

Exclusives for HSM Visa Applicants

Fortunately, there are some extra avenues available for professional applicants on HSM visas with reasonable deposits.

Specialised professionals’ mortgages are available for Highly Skilled Migrants who are:

  • Qualified
  • Practising
  • Registered

When you use our service, temporary visas and limited UK residential history are rarely a problem. We have access to exclusive deals which allow you to borrow at preferential rates and generous income multiples.

We provide a ‘next day’ mortgage offer in principle decision. We do not need to meet and there is minimal paperwork to complete, saving you time and money.

For more about our Doctors’ Mortgage service, please view our Mortgages for Doctors video