Case Study: Skilled Worker Visa Holder Buys With Spouse: £800k New-Build Offer Secured In 10 Working Days

David Walsh

DIRECTOR AND MORTGAGE ADVISER

Specialist broker for high-earning professionals and complex income cases.

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High-earning couple on Skilled Worker and Spouse visas, recently settled in the UK, needed a fast, clean new-build purchase. With limited UK footprint and a developer deadline, we prioritised a lender comfortable with shorter UK residency, a larger deposit, and a watertight AML trail—resulting in a full offer inside ten working days.

Skilled Worker Visa Mortgage

A skilled worker visa mortgage is a UK home loan for applicants holding a Skilled Worker visa. Many mainstream lenders may consider cases after around 12 months in the UK or at certain income levels, with right-to-work evidence, strong affordability and a suitable deposit, subject to policy and valuation.

Client Profile

• Clients: Skilled Worker visa holder + Spouse visa holder

• Combined Income: ~£160,000

• Time In UK: <18 months

• Property: £800,000 new build (tight completion timeline)

• Goal: Rapid approval with a lender open to shorter UK residency and clean source-of-funds

The Challenge

• Short UK footprint: Limited UK credit and address history.

• Developer deadlines: Reservation clock ticking; delays risked losing incentives/plot.

• New-build nuances: AIP needed quickly; valuation and offer had to keep pace with build schedule.

• Source-of-funds: Part of the deposit originated overseas; AML needed to be immaculate.

Our Approach

1. Targeted Lender Shortlist: Prioritised lenders known to accept Skilled Worker/Spouse visas with shorter UK residency where the deposit and income profile are strong. Some lenders may consider foreign nationals after 12 months in the UK or at specified income thresholds, often up to 85% LTV (policy-dependent).

2. Rapid AIP: Packaged payslips, contracts, visas/BRP and share codes for same-day AIP; pre-briefed underwriters on residency and timelines.

3. Address History Strategy: Completed three-year address history including non-UK addresses; highlighted stable employment and clean credit to offset short UK footprint.

4. Careful AML Trail: Collated UK and overseas statements, currency transfer receipts and solicitor confirmations to evidence the deposit clearly—especially where funds moved from outside the UK/EEA.

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The Outcome

• Agreement In Principle: Issued within 24 hours.

• Valuation: Instructed immediately on application.

• Full Mortgage Offer: Inside 10 working days, comfortably meeting the developer deadline.

Why This Worked

• Policy Fit: Chosen lender accepts shorter UK residency where income, deposit and documents are strong (e.g., Skilled Worker/Spouse visas, documented right to work, sensible LTV).

• Documentation Discipline: Complete three-year address history (including non-UK) and a traceable deposit trail reduced queries and re-underwrites.

• Proactive Case Management: Underwriter pre-discussion, developer liaison and early valuation kept momentum.

What Our Clients Say

Trustpilot

What To Prepare If You’re On A Skilled Worker Or Spouse Visa

• Passport, visa/BRP and Home Office share code

• Latest 3 months’ payslips and contract/letter of employment

• Proof of deposit: UK and, if relevant, overseas statements + transfer evidence

• Three years’ address history (UK and non-UK where applicable)

• Up-to-date credit report and clear explanation of any recent credit activity

• Reservation form and build timeline (for new builds)

Criteria Snapshot

• Visa Types: Some mainstream lenders may accept Skilled Worker and Spouse/Dependant Partner visas, subject to time in UK and income/LTV caps.

• Time In UK: Some will consider ≥12 months in the UK or specific minimum income thresholds; typical max LTV ~85% where not on ILR.

• Address History: If 3 years’ UK history isn’t available, non-UK addresses can be recorded and assessed on merit.

• Deposit/AML: Overseas deposits usually require additional statements and a clear source-of-funds trail into a UK account.

Why Kite Mortgages

We specialise in fast, well-packaged applications for professionals with shorter UK footprints, complex income or overseas deposits—especially on new builds with tight timelines.

Request your fee free mortgage consultation today. No obligation, just sound advice.

Complete Enquiry Form

FAQs

• Can I Get A Mortgage On A Skilled Worker Visa?

  Yes—some lenders may consider Skilled Worker visa applicants with sufficient time in the UK, a strong deposit and clear right-to-work evidence, subject to affordability and credit scoring.

• How Long Do I Need To Have Lived In The UK?

  Policies differ; a common threshold is around 12 months in the UK or meeting certain minimum income levels, with typical LTV caps.

• Will Lenders Accept Overseas Funds For My Deposit?

  Often yes, but expect extra AML checks, including multiple months of overseas statements and UK statements showing the transfer of funds.

• Do I Need Three Years Of UK Address History?

  If you don’t have it, provide non-UK address history—some lenders will assess on a case-by-case basis.

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APPROVED BY THE OPENWORK PARTNERSHIP ON 24/09/2025