Specialist Mortgage Advice for UK Visa Holders
Expert guidance to help you secure your new home.
Buying a home while on a visa can be challenging - but it doesn’t have to be. We specialise in helping UK visa holders secure mortgages from lenders who understand their circumstances.
Visa Holders We Specialise In
Every route comes with its own lender criteria. Pick yours for a full guide to eligibility, deposits and how UK lenders will assess you.
- Skilled WorkerEmployer-sponsored work visa holders.
- Spouse VisaPartners of British citizens and settled persons.
- Graduate VisaPost-study work visa holders.
- Global TalentExceptional talent in specialist fields.
- Health & Care WorkerNHS and social care staff.
- Innovator FounderFounders building a business in the UK.
- Ancestry VisaUK ancestry through a grandparent.
- Intra-CompanyTransfers within a multinational employer.
- BN(O) VisaBN(O) status holders from Hong Kong.
- Refugee StatusRefugee status and humanitarian protection.
- Sportsperson VisaElite athletes and coaches at UK clubs.
- Minister of ReligionMinisters leading a UK faith community.
- Scale-up VisaWorkers at fast-growing UK businesses.
About Us
We are UK based, FCA Registered Mortgage & Protection Advice service which specialises in helping people who do not have ILR (Indefinite Leave to Remain). At Visa Mortgages, we believe that if you are contributing to the UK's economy, culture, and future, you deserve a place to call your own.
Whether you are on a Skilled Worker, Spouse, Health & Care Worker, BN(O) or any of the other routes we cover, the path to a mortgage can feel blocked by red tape and rigid banking criteria. We are here to clear that path.
Why We Started
We founded Visa Mortgages after noticing a massive gap in the UK mortgage market. Thousands of hardworking professionals were being turned away by lenders simply because of their visa status. We decided to change that. Whether you have five years left on your visa or five months, we know which lenders will look at your full potential, not just your passport.
We are your partners in transition. From the moment you start saving for a deposit to the day you pick up your keys, we are here to ensure that your “temporary” status never stands in the way of your permanent dreams.
Our Promise to You
Buying a Home is more than a financial transaction. It's the moment a new country truly becomes “home”.
Our team is dedicated to:
- Specialist KnowledgeWe stay ahead of every policy change affecting Health & Care Workers, Researchers, and Entrepreneurs.
- Radical TransparencyNo jargon, no hidden fees, and no false hope. Just clear, honest advice.
- Relentless AdvocacyWe don't just submit applications; we build a case for you, fighting to ensure lenders see the value you bring to the UK.
What our clients say
5.0from 6 reviews on Google (opens in a new tab)Shown in full, in the order the listing returns them.
Worked with us? Leave a review (opens in a new tab)
Really impressed with Visa Mortgages (Mo). Being on a Skilled Worker Visa, I wasn't sure I'd be able to get a mortgage with just a 5% deposit, but they were fantastic. They understood my situation, explained everything clearly and supported me throughout. Highly recommended!
Very good service from the Mohammed. His team was professional, helpful, and kept me informed throughout the process. I’m very happy with the service and would definitely recommend them.
Excellent service from Visa Mortgages. A special thank you to my mortgage broker Mohammed, who handled our difficult case extremely well. He was professional, knowledgeable, patient, and always kept us informed throughout the process. We really appreciate all his hard work and dedication in helping us secure our mortgage. I would definitely recommend **Mohammed and Visa Mortgages** to anyone looking for a reliable and trustworthy mortgage broker. Highly recommended!
Noorali Chagani, read Noorali Chagani’s review on Google (opens in a new tab)
How It Works: Your Path to a UK Home
Getting a mortgage on a visa shouldn't feel like a second immigration interview. We've streamlined the process into four simple steps.
Check Eligibility
Start with our Visa-Mortgage Calculator to get an instant snapshot of your borrowing potential.
Try CalculatorFree Consultation
Book a 15-minute call to review details, discuss deposit, and answer 'what-ifs' with no pressure.
Book a CallCustom Roadmap
We scour our network of specialist lenders to find the best rates for your specific visa status.
Completion
From submitting paperwork to instructing solicitors, we manage the entire process for you.