21/04/2026
More doors opening for buyers without permanent UK residency 🏡🔑
We’re seeing positive changes from some lenders that make buying a home in the UK more accessible if you live and work here but don’t yet have permanent rights to reside.
Here’s what’s recently changed 👇
✨ Lower deposit options
Some lenders are now accepting deposits from 15%, rather than requiring much higher upfront costs.
✨ More flexible deposit sources
Deposits can now follow standard policies; including gifted deposits and builder incentives.
✨ Expanded visa acceptance
More Visa types are being considered for buyers without permanent residency.
✨ Clear income and residency criteria
Applicants typically need:
• A sole income of £50,000+ or joint income of £75,000+
• At least 12 months’ UK residency
• A minimum of 18 months remaining on an acceptable visa
📌 Criteria still applies, and lender rules can vary, which is exactly why having an adviser who understands these changes is so important.
If you’re buying in the UK and unsure where you stand, message us to talk through your options and see what’s now possible.
Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.
