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EU Citizens

Mortgages are available to EU citizens after living and working in the UK for a minimum of 6 months. The following list represents common requirements:

• Applicants have been residing in the EU for the past 3 years

• Applicants have a UK bank account

• Applicants have a permanent job in the UK

As with Uk citizens, all mortgage applications will be credit scored. If you have not been living in the UK for very long then this will have the effect of reducing your credit score

Non EU Citizens

Foreign nationals that have not been living within the EU will not have a credit file that can be traced. Mortgages will be available after the applicant has lived in the UK for a minimum of 2 years. It may be possible to arrange a non status mortgage before then, however a large deposit  25%+ will be required.

Most lenders prefer that foreign citizens have full rights of permanent residence in the UK.

Some lenders will accept applications from foreign citizens who have a work permit. Please phone to discuss your situation