Mortgages for Spouse Visa Holders

We have years of experience helping clients obtain mortgages on a spouse visa up to 90% LTV with no minimum time in the UK or visa requirement

Mortgages for Spouse Visa Holders

Mortgages for Spouse Visa Holders - regards the obtaining of a mortgage by a British or Foreign national who are married or in a civil partnership with a non EU resident in the UK on a marriage or spouse visa - sometimes referred to as a spousal visa. There has been increasing reluctance since the credit crunch in lending to married couples of UK citizenship with those on spouse visa’s seeking mortgages individually through UK banks and building societies finding the process even more problematic. We offer a bespoke service to our ‘mortgage for spouse visa holder’ clients, using our established relations with many mortgage providers both nationally and internationally to increase your chances of a successful application.

Our brokers are experts at placing our mortgage for a client on a spouse visa with the right lender at the right rate, but importantly at the right time. Using our built up relationships with leading underwriting staff at many of the major mortgage spousal visa lenders, we are able to offer an end to end service for our clients.

We are fully aware of how difficult spouse visa mortgage applications can be. It is our specialist team responsibility to secure you the optimum financial and economical mortgage deal for your specific individual needs and requirements. We also guarantee that all documentation and paperwork will be completed for our foreign national mortgage clients within their required timescales.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Contact a member of our spouse visa mortgage advisory team today. We are waiting to take your call

 

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Selected UK Mortgages for Foreign Nationals

A selection of some of our lenders mortgage products and rates are shown below. Contact us for a quote specific to your circumstances. Table data updated 04/04/2016.

CodeInitial
Rate
Mortgage
Type
For /
Until
Subsequent
Rate
APRCEarly
Repayment
Charge
Fixed Lender
Fees
% Lender
Fees
Notes
001 1.24% Tracker 30/06/2018 3.99% 3.72%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.

002 1.44% Tracker 30/06/2018 4.00% 3.72% 1% of loan to be paid until 30/06/2017, Then 0.5% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 60% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

003 3.29% Fixed 30/06/2018 3.99% 4.03%

3% of original loan to be paid until 30/06/2017, Then 2% of original loan to be paid until 30/06/2018.

£999 None

Max 90% LTV Residential

Tier 1, 2, Ancestry and Spousal Visa. No minimum time in UK or left on visa subject to credit score.
004 2.50% Fixed

30/06/2018

4.00% 3.86% 2% of loan to be paid until 30/06/2017, Then 1% of loan to be paid until 30/06/2018, 10% capital repayments allowed per year without penalty. £995 None

Max 90% Residential

Tier 1 visa only. Min time left on visa 6 months. Min time in UK 6 months.

Alternatively, any visa jointly applying with a British National.

005 2.59%

Buy to Let Fixed

30/05/2018 5.35% 5.23%

 

3% of loan to be paid until 31/05/2017, Then 2% of loan to be paid until 31/05/2018, 10% capital repayments allowed per year without penalty.

 

£1999 None

Buy to Let max 60%

Tier 1 visa required