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You are here: Home / Mortgages / Foreign National Mortgage / Buy to Let Mortgage On A Visa

by Payam Azadi

Buy to Let Mortgage On A Visa

Buy to Let Mortgage On A VisaBuy to Let Mortgage On A Visa Tier 1 or Tier 2. Purchase a UK buy to let without permanent rights to reside in the country

Payam AzadiYes at last we have a lender in the UK market which can lend on Buy to Let Mortgage On A Visa with a competative rates. There have always been various solutions for mortgage applicants purchasing buy to lets in the UK whilst here on Visas but often the rates and terms have been so prohibitive that it simply did not make commercial sense, well that was until now….what’s changed? Read on and find out.

Buy to Let Mortgage On A Visa enter the mainstream

Rarely have I been so excited as I can announce Visa buy to let mortgages are now being offered by a large UK lender so the funding is far cheaper and plentiful.

To qualify for this unique Buy to Let Mortgage On A Visa you will need to meet the following criteria:

  • Tier 1 and Tier 2 Visas
  • Been in the UK for a minimum of 3 years
  • Standard minimum of 1 year left on the Visa
  • Earnings must go into a UK bank account
  • Minimum deposit 25% from your own resources
  • Must have held a UK buy-to-let mortgage for 6 months OR own a UK property which you live in

In addition, if you have less than 12 months remaining on your Visa, I still might be able to help but the rest of the cases needs to be very strong. And, in the case of a Tier 2 Visa the Lender will probably seek assurance from your Employer that they will help with your Visa renewal.

Interest rates currently start from under 3%.

Spousal Visas

And there’s good news too for applicants on Spousal Visas who we can also help provided they are making a joint application with someone who has permanent rights to reside.

Niche Advice offers suitable advice on Buy to Let Mortgage On A Visa. To find out if you qualify complete our enquiry form on the Contact Tab or call T: 020 7993 2044.

Payam Azadi

Author: Payam Azadi

Payam Azadi is a partner at Niche Advice who are whole of the market Independent Mortgage Brokers. His role is very much focused on Property financing both on residential and commercial lines. To get in contact with him please click here.

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AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

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