Published 13 February 2016 · Last reviewed 1 May 2026

I am looking for a Spousal Visa Mortgage with husband who has Permanent Rights to Remain can I go on the mortgage?

The short is ‘yes‘ you can get a Spousal Visa Mortgage . The challenge you have is finding the best product option as the lenders that will lend on a spousal visa basis are few and far between and are not captured well on the comparison sites so you may need to enlist the services of a Mortgage Professional such as Niche Advice otherwise you may pay well over the odds or be trapped by a lengthy exit charge.

We have access to lenders who can opt to bypass the spouse visa rules which means you could access mortgages with just 10% deposit which is a 90% loan to value mortgage product.  Others underwriting conditions do apply and there can be restrictions depending on the time the applicant has been here in the UK so its always worth speaking to us about the full case profile when it comes to Spousal Visa Mortgage cases.

More information on getting a mortgage with Spousal Visa can be found by clicking on the below link

https://www.nicheadvice.co.uk/10-deposit-mortgage-for-foreign-nationals-with-a-visa-in-the-uk/