Tier Two Visa Mortgage

At JB Mortgages we offer the personal attention required to find a perfect fit at the lowest interest rates available for your circumstances.

Get in touch for a free, no-obligation chat about how we might be able to help you.

Get In Touch

1 Step 1

Home » Two Tier Visa Mortgage

Tier Two Visa Mortgage (Part 1)

James Bull talks us through the process of applying for a mortgage as an applicant with a tier two visa.

Can I get a mortgage with a tier two visa?

Yes, we have helped many people on tier two visas get mortgages, so that’s absolutely fine.

How do I qualify for a mortgage with a tier two visa in the UK?

Criteria does vary between lenders, but the main points usually revolve around how long you have resided in the UK, how long is left on the visa, and how much deposit you have.

Can self-employed individuals get a mortgage on a tier two visa in the UK?

Yes, that’s absolutely fine. No problem at all.

Is it necessary to have a certain amount for a deposit when applying for a mortgage with a tier two visa?

Criteria around this does vary quite widely between lenders, but we do currently have options from a minimum of 5% deposit [information correct at the time of recording in January 2026].

What’s the minimum and maximum amount one can borrow on a mortgage with a tier two visa?

Most lenders have a minimum loan amount of around £25,000, although a handful can offer less than that. People don’t often want that small a mortgage these days.

The maximum is more based on what you can afford to pay back, based on your individual circumstances. We’ll work that out for a client as part of our normal process.

What documents are required for a tier two visa mortgage application?

The usual documents are proof of ID, proof of address, income and proof of deposit. The main difference is that you need proof of your visa and your right to reside in the UK, which you would normally obtain by getting a share code from the government website.

Are there any restrictions on the type of property that can be purchased with a tier two visa?

Normally you’d be able to get the same property type as with any other kind of mortgage.

Are there any additional costs to consider when applying for a tier two visa mortgage?
The fees are usually either the same or very similar. There’s nothing specific to pay that wouldn’t apply to anyone else.

Speak To an Expert

Everyone’s different. You might be self-employed. You might have some credit history issues – whatever your situation, we will find the most suitable product available to you from across the whole market.

What if I have bad credit? Can I still apply for a mortgage with a tier two visa?

Yes, you can. But of course, there’s so much variation in bad credit. It would depend on the specific circumstances and it could mean there are very limited options available.

Obviously, that could mean you need a higher deposit than normal, or there are higher interest rates and fees. The best thing to do is just contact us directly – we can look into all the details for somebody in that circumstance.

How can a mortgage broker help here? Have you got anything else to add?

I think we’ve covered most of the main points, but we help people on tier two visas get mortgages all the time. If you need advice in this area, just get in touch.

Key Takeaways:

Mortgages are available for applicants who hold a tier two visa.
Key qualification criteria vary by lender but generally focus on the applicant’s time of residence in the UK, the remaining visa length, and the size of the deposit.
Self-employed individuals on a tier two visa can also apply for a mortgage.
Lenders may have options available from a minimum of a 5% deposit (information correct as of January 2026).
In addition to standard documents (ID, address, income, deposit), applicants must provide proof of their visa and right to reside in the UK, usually by obtaining a share code from the government website.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.