Skilled Worker - Get a UK Mortgage

If you're living in the UK on a Skilled Worker Visa, there can be additional challenges when applying for a mortgage. However, with the right help, it can be a smooth and cost-effective process.

At Clifton Private Finance, we have a dedicated team of brokers who can guide you through your options. As a whole-of-market brokerage, we have relationships with high street, private and specialist lenders and access to market-leading rates. 

To apply for a Skilled Worker Visa mortgage, you will need Proof of ID and proof of residency – such as a passport and visa 

• Proof of address – Usually utility bills from the last three months with your name and address on, or a council tax letter from the current year 

• Proof of income – Payslips from the past three months 

• Lenders will also want to review your monthly expenses and any loans you have yet to pay off, such as credit card bills.  

This information is required so that the lender can see if you fit the criteria to offer you a deal. The strictness of these criteria depends on the lender, as they all measure slightly differently.  

Yes, you can get a buy to let mortgage on a Skilled Worker visa.

It’s important to know that there are stricter criteria for buy to lets than residential mortgages if you’re on a Skilled Worker visa, and the deals can be more expensive.  

But knowing it’s possible is a great starting point. 

While it’s good to build up a solid financial record and work history in the UK before you apply for a mortgage, timing plays an essential role in this process. 

If you don’t have very long on your Tier 2 visa when you apply for a mortgage, getting a loan should still be possible (depending on your circumstances), but it may be more expensive and could reduce your choice of lenders. 

Applying for a mortgage when you’ve lived in the UK for a couple of years but still have a few years left on your visa could help you save money on your mortgage deal. 

We are expat mortgage experts, and our advisers are confident with the complexities of the expat mortgage market. 

We can help you:

• Understand what kind of expat mortgage you're eligible for and how much you can borrow.

• Feel comfortable with how the process works and what the costs will be.

On your behalf, we will:

• Compare rates across the entire market (from private lenders to high street banks)

• Negotiate the best deal for your circumstances

• Guide you through the application process

• Help you arrange your valuation(s)

• Liaise with your solicitor to sort the paperwork

• Chase through your application your new home is secured