A UK mortgage on a Skilled Worker visa — what lenders actually look at.

ILR required

No — specialist lenders lend to Skilled Worker visa holders without ILR or settled status

Maximum LTV

Up to 90% (10% deposit) — specialist lenders only; all mainstream high-street banks require ILR

Minimum visa remaining

12 months at application; 24+ months preferred by most specialist lenders

Accepted visa routes

Skilled Worker visa; Health and Care visa; Graduate visa (case by case)

Employer requirement

UK employer holding a full Home Office sponsor licence; permanent contracts preferred

Evidence required

3 months' payslips; signed employment contract; Home Office share code; P60 or equivalent

Criteria at time of review, September 2026. Individual lender criteria vary and may change without notice.

Yes. A specialist panel of lenders offers UK mortgage products to Skilled Worker visa holders without Indefinite Leave to Remain. The concrete thresholds that determine access:

• 10% deposit (90% LTV): available from a small number of specialist lenders where salary exceeds the Skilled Worker threshold for the role, the visa has at least 12 months remaining and the employer holds a full sponsor licence. This is the highest LTV tier available without ILR — it is not widely advertised and is declined outright by all mainstream high-street banks.
• 15–25% deposit: opens a broader specialist panel and allows more flexibility on remaining visa time. At 25%, access extends to lenders who would otherwise require ILR — producing more competitive rates and greater income-multiple options.
• Visa time remaining: most specialist lenders require at least 12 months remaining at application; many prefer 24 months or more. A visa renewal imminent does not automatically disqualify an applicant, but it narrows the panel.
• Health and Care visa: treated identically to Skilled Worker for mortgage purposes — if anything, this route often produces stronger employer-stability signals that lenders respond well to.
• Pre-settled status (EU nationals): assessed similarly to Skilled Worker — 25% deposit is the standard minimum for pre-settled; settled status unlocks standard UK resident criteria.
• Settled status / ILR: once settled status or ILR is in place, the full standard market opens — no visa-related deposit requirements or rate loading.

The key shift: a 10% deposit on a Skilled Worker visa is possible but requires the right lender, the right income level and a minimum visa duration. A 25% deposit removes most of the restriction. If you are between these thresholds, the conversation with us is about which specific lenders are open at your exact LTV, visa remaining time and income level.

The Skilled Worker visa grants permission to live and work in the UK while sponsored by a licensed employer, but it does not grant an indefinite right to remain — and that distinction matters to mortgage lenders. Most mainstream lenders require applicants to have indefinite leave to remain (ILR) or equivalent settled status before they will lend, which excludes the majority of current visa holders. A specialist panel of lenders takes a different approach.

Remaining visa time is the single most scrutinised factor. Most specialist lenders want to see at least 12 months remaining on your current visa at the point of application, and many prefer 24 months or more. The reasoning is straightforward: a mortgage is a long-term commitment, and a lender wants evidence that your right to remain and work in the UK is not about to expire. Having a clear, realistic expectation of renewal or a pathway to ILR strengthens your case considerably.

Employer and sponsor licence are also assessed. Lenders are generally more comfortable where your employer is a large, established organisation with a full sponsor licence rather than a start-up or newly licensed sponsor. The employment contract itself matters too — permanent employment is viewed more favourably than a fixed-term contract, though fixed-term contracts are not necessarily disqualifying if the term is long enough.

Salary relative to the Skilled Worker threshold influences the strength of your application, though lenders assess affordability on standard income multiples regardless of visa type. What matters here is that your salary is evidenced clearly and consistently — payslips, an employment letter confirming your status, and if applicable your certificate of sponsorship reference.

Deposit has a larger impact for visa holders than for settled applicants. A 10% deposit narrows the specialist lender panel significantly; a 15–25% deposit opens it considerably. There is no fixed rule, but a larger deposit signals lower risk and gives lenders more comfort in cases where immigration status is the main complicating factor.

UK credit history is also reviewed. If you have been in the UK for more than a year, lenders will expect to see some UK credit footprint — a bank account, a utility bill in your name, or a credit agreement. If you are newly arrived, some lenders will accept thin credit history provided other factors are strong, but it is worth building your UK credit profile as early as possible. See also our guides on Health and Care visa mortgages and mortgages without ILR.

A Skilled Worker visa mortgage application generally requires more documentation than a standard one. Lenders will typically request your current visa or biometric residence permit (BRP), the most recent three to six months of payslips, your employment contract confirming salary and employment type, your certificate of sponsorship reference number (or previous COS if applicable), proof of UK address history (usually three years, though specialist lenders may accept less) and three months of bank statements showing salary credits.

If your income includes any overseas elements — prior employment abroad, or income from a foreign source — lenders will want evidence of that too. See our guide on mortgages with overseas income for more on how that is assessed.

• Foreign nationals hub — all visa routes, deposit tiers and lender criteria in one place
• Graduate visa mortgages — how lenders assess the unsponsored post-study route differently
• Mortgages without ILR — how all visa types compare across deposit tiers
• Overseas income — if any income is earned outside the UK
• Skilled Worker visa mortgage guide — detailed walkthrough including the 10% deposit tier most brokers miss
• Case study: Skilled Worker visa — London purchase, mortgage offer obtained
• Case study: Indian national, Skilled Worker visa, 10% deposit, no ILR