Tier 2 Visa and Buying a Home in the UK: What You Need to Know
DIRECTOR AND MORTGAGE ADVISER
Specialist broker for high-earning professionals and complex income cases.
If you're living and working in the UK on a Tier 2 (Skilled Worker) visa and looking to buy your first home, the process can feel a little daunting. But the good news is that getting a mortgage on a visa is entirely possible — and in many cases, surprisingly straightforward.
This guide breaks down what you need to know about mortgage eligibility, documentation, deposit requirements, and how to improve your chances of success.
Request your fee free mortgage consultation today. No obligation, just sound advice.
Can You Get a Mortgage on a Tier 2 Visa in the UK?
Yes — many UK lenders are open to offering mortgages to Tier 2 visa holders, particularly if:
You’re employed in a skilled or professional role (e.g. law, finance, tech, medicine)
You have a stable income and UK-based employer
You’ve been in the UK for at least 6–12 months
You have a UK bank account and a UK credit footprint
However, not all lenders have the same policy, and eligibility varies — so lender choice is key.
Key Mortgage Criteria for Tier 2 Visa Applicants
Here’s what most lenders look for when assessing a mortgage application from a Tier 2 visa holder:
Visa length: Most want at least 6–12 months remaining at the time of application
UK residency: Some require a minimum of 6–12 months living and working in the UK
Employment: You’ll typically need to be in a permanent role or fixed-term contract with a UK employer
Deposit: Some lenders ask for 25%+ deposit if your visa is new, though others accept 10–15% with strong income
Credit history: A UK credit file helps — even basic credit like a phone bill or utility account can make a difference
Income: Your salary must meet the lender’s affordability rules (many use 4.5–5.5x salary, subject to expenses)
Some lenders are more flexible than others — especially if you're earning over £75,000 and in a skilled sector.
How We’ve Helped Clients Like You
These clients faced similar challenges - here’s how we helped them secure the right deal.
What Documents Will You Need?
Expect to provide the following documents as standard:
Your passport
Your Tier 2 visa (or BRP card showing expiry and employment sponsor)
Proof of income – recent payslips and a P60 or employment contract
Bank statements – usually the last 3 months
Proof of deposit – including source of funds (especially if gifted or from abroad)
Proof of UK address – such as a utility bill or council tax letter
If your deposit is coming from overseas, some lenders may request further evidence around money laundering checks.
Speak To An Expert Today
Get in touch for a fee free, no-obligation chat about how we might be able to help you.
How to Improve Your Mortgage Eligibility on a Tier 2 Visa
Build UK credit – Open a UK bank account and get on the electoral roll if eligible
Use a broker – They’ll know which lenders accept Tier 2 visas and on what terms
Save a higher deposit – This gives you access to more lenders and better rates
Show strong income and employment history – This helps offset visa-related concerns
Plan ahead – If your visa is due to be extended or converted to ILR soon, your options may improve dramatically
What Our Clients Say
FAQs
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Yes — some lenders will accept applications with 6 months left, particularly if your employer has confirmed an intention to renew your visa.
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No. You can apply for a mortgage while still on a Tier 2 visa, and many clients secure competitive terms without indefinite leave to remain (ILR).
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It varies — some lenders want 25%, but others are happy with 10–15% depending on your income, employment, and time in the UK.
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Not directly — the rate is more dependent on your deposit size and lender. However, fewer lender options can mean slightly higher rates in some cases.
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Yes — but be ready to show the source of funds and provide documentation. Some lenders may require funds to be in a UK account before application.
Conclusion: With the Right Advice, Tier 2 Visa Mortgages Are Within Reach
Getting a mortgage on a Tier 2 visa is absolutely achievable — especially if you’re employed in a high-demand sector and earning a strong salary. The key is working with a broker who understands the market and knows which lenders to approach.
On a Tier 2 visa and thinking about buying?
We’ve helped dozens of skilled professionals secure UK mortgages with competitive rates and smooth applications.
Request your fee free mortgage consultation today. No obligation, just sound advice.
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YOUR HOME MAY BE REPOSESSED IF YOU DON’T KEEP UP REPAYMENTS ON YOUR MORTGAGE
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APPROVED BY THE OPENWORK PARTNERSHIP ON 14/07/2025