On a Skilled Worker or Tier 2 visa? Plenty of lenders will say yes — the key is knowing which ones, and applying to the right one first.
Time left on the visa, your UK credit history and how your income is structured all change which lenders will accept you. We check all of it before anything is submitted, so your first application is your strongest one.
Lenders who assess visa holders on income, not just status
Manual underwriting where your history is short
A realistic view of your options, usually within hours
Criteria checked before anything is submitted
One short form. A specialist reviews your visa and income situation and calls you back.
Lenders set their own rules for each visa type. Here is a realistic view of where you are likely to stand.
The most widely accepted visa category. With stable UK income and some credit history, mainstream rates are often available. Lenders mainly check the time remaining and whether the visa is renewable.
NHS and care-sector workers on this visa are accepted by a broad range of lenders. Key worker schemes and higher income multiples can sometimes apply, depending on the lender.
Placeable, usually on the strength of the UK-based applicant's income. Where one partner lives abroad, fewer lenders will consider the joint income — we know which ones.
Options exist where you have started UK employment, though choice is narrower and deposits are often higher. It improves quickly as your UK work history builds.
Arrived within the last 1 to 2 years with no UK credit file? Specialist lenders manually assess these cases, particularly with stable employment and a stronger deposit.
With indefinite leave to remain or settled status, most lenders treat you the same as any UK applicant — the full market opens up, including 5% deposit products.
No guesswork, no scattergun applications, no surprises on cost.
We review your visa type and time remaining, income structure, credit history and deposit. Nothing is submitted before this.
We check which of our 200+ lenders accept your specific visa situation, including specialists you cannot approach directly.
A packaged application with the right visa evidence, references and explanations, so the underwriter sees the full context.
We diarise your visa renewal and rate expiry together, so remortgaging or product transfer is planned, not rushed.
Your initial consultation and eligibility assessment are free. Our broker fee is £499, payable when your mortgage offer is issued — never upfront. Lender and valuation fees, where they apply, are shown to you in writing before you commit.
Tell us your visa situation and we will tell you honestly what is possible — including if the answer is "not yet, and here is exactly what to do first".
Or email hello@opusmortgage.co.uk