Dependant Visa Mortgage up to 95% Loan to Value

What are the rules for getting a Dependant Visa Mortgage in the UK? Here’s How You Can Own a Home Too

At Niche Advice, we don’t believe your Visa should hold you back from owning a home. Here’s how we help Dependant Visa holders:

How Niche Advice Supports Dependent Visa Mortgage Clients

• In depth knowledge of Visa policies and lending rules.
• Over 30 lenders what consider foreign nationals.
• First time buyers, home-movers and remortgages.
• Mortgages with just a 5% deposit.
• Foreign and gifted deposits.
• No minimum time in the UK.
• No minimum time left in the UK, including those with Visa renewals in process.
• Case structuring – present you case in the right way. 16 year’s worth of experience and Lender contacts.
• Access to all product types: fixed, trackers and discounts. With and without main early repayment charges.
• Houses and flats.
• Solutions for personal name and limited company buy-to-lets.
• High success rate with complex
• Trusted by NHS professionals, tech workers, and families alike.

With over 1.2 million long-term arrivals to the UK in 2023, foreign nationals are playing a key role in the country’s workforce and economy. Among them are thousands of people living in the UK on Dependant Visas — often partners or children of skilled workers, healthcare professionals, and entrepreneurs.

Whether you’re new to the UK or have been here for a few years, buying a home may be high on your priority list. It demonstrates you are looking to settle which may aid Visa renewals and is an exit from renting which can be expensive and exploit foreign nationals.

The UK mortgage market can be overwhelming and even more complex without permanent rights to reside – and making the wrong choice can be very costly.

The good news is with the right guidance the chances of getting a mortgage on a Dependant Visa improve.

At Niche Advice, we specialise in helping foreign nationals on all kinds of Visas secure mortgages. With over 16 years’ experience and access to 100+ lenders, we know which lenders to approach and how to present your case for approval — even when high street banks have knocked you back.

Are the UK gates closing on Dependant Visa Mortgage?

Brexit has taken time to be implemented but it seems to have more bite now. In recent times, the UK Government has implemented several significant changes to Dependant visa rules across various immigration categories. Here’s an overview of the key updates:

1. Family Visas (Spouse/Partner). Increased Income Requirements.
2. Health and Care Worker Visas. Certain Visa types for care workers and senior care workers are no longer permitted to bring Dependants (partners and children) to the UK. There has also been limitations imposes for Sponsors with only Care Quality Commission (CQC)-registered providers in England are eligible to sponsor applicants for the Health and Care Visa.
   
3. Student Visas. Limitations on Dependants, most international students are no longer permitted to bring Dependants to the UK.

The flight of direction is clear so if you have aspirations of UK home ownership there appears to be an urgency.

First-Time Buyer Trends and Mortgage Barriers for Visa Holders

Recent data from UK Finance and Zoopla shows that:

• Around 20% of first-time buyers in London and major cities are non-UK nationals
• Mortgage rejection rates are 3 times higher among those with temporary Visas.
• The average deposit from Visa holders is often larger due to limited borrowing access.

Mortgage Challenges for Dependant Visa Holders

While your Dependant Visa status may allow you to live and work in the UK, mortgage lenders don’t always see it that way. Here are the main obstacles:

1. Who is applying?

There are options for you to apply on your own despite being on a Dependant Visa, however there are also UK Mortgage Lenders that will want the lead Visa holder to be an application as well. 

2. Limited or No UK Credit History

At the core of most UK Mortgage Lenders underwriting process is a computerised decision called “credit score”. It’s a formula which allocates points on various aspects of your profile. It looks at items such as past credit conduct, closeness to credit limits on credit cards/overdrafts, income, age, nature of employment, length of residency, mortgage experience etc. The decision is generated by a computer and often cannot be appealed.

Most Dependant Visa holders are recent arrivals. Without a credit card, loan, or utility history in the UK, lenders may struggle to hit the minimum benchmark.

At Niche Advice we are accustomed to reading credit reports and sensing the outcome of various Lenders we do this day in and day out. We can also provide mentorship on how to improve your credit rating.

3. Foreign or Gifted Deposits

This is a complex area and we would strong recommend professional Mortgage Advice.

The originating country will determine the approach and dictate the length of time the proceeds needs to be in a UK bank. For example, some Lenders want the money deposited before you apply for a Dependant Visa Mortgage, others by Mortgage Offer or Completion.

If the money is not yours but a “gift” then due diligence of the donor will also be required. As a rule of thumb immediate family is preferred.

4. Visa Length Concerns

The time in the UK typically ranges from “no minimum up to 2 years” depending on the Mortgage Lender. Normally, however you will need 6 months’ here in the UK to hit the minimum credit score (see above).

Time left on a Visa follows a similar pattern too with “no minimum to 2 years” depending on the Mortgage Lender. In recent times, at Niche Advice, we have even been able to secure mortgages for Visa applicants who have passed their renewal dates, due to the backlog at the Home Office, and the understanding of our Mortgage Lender contacts.

4. Higher Rates for Non-Residents

The majority of UK Mortgage Lenders apply the same rates for Visa mortgages, however there are some exceptions so in depth research should be done.

5. Proof of Employment for a Dependant Visa Mortgage

The start point for the majority of UK Mortgage Lenders is 3 months’ payslips if you are employed and two year’s accounts if you are self-employed.

If you are being sponsored the UK Mortgage Lender may also ask for a copy of your employment contract.

If you are a contractor or do not fit the rules above you should seek professional mortgage advice from a company such as Niche Advice.

Whether you’re planning to buy your first property or looking to remortgage at a better rate, your Visa doesn’t have to be a barrier.

✅ We’ll help you navigate the mortgage maze
✅ Match you with visa-friendly lenders
✅ And get you closer to owning your UK home

📞 Contact Niche Advice today to schedule your free consultation.