Ukraine Family Scheme
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Ukraine Family Scheme
Can someone on a Ukraine Family Scheme visa get a mortgage in the UK?
Yes, we do have lenders that are accepting that scheme for a mortgage.
What documentation does a lender need from a Ukraine Family Scheme visa holder to approve a mortgage?
The documentation is basically the same as any other mortgage. You need proof of ID, proof of income and proof of deposit.
The main extra thing you’ll need is a share code from the UK government website, which will prove you have the Right to Reside in the UK.
How long must someone under the Ukraine Family Scheme be in the UK before being eligible for a mortgage?
Lender criteria does vary on this between different providers, so it’s best to just contact us and we’ll give you personalised advice.
Do mortgage lenders count visa status income and employment history under the Ukraine Family Scheme?
Yes. When you apply for a mortgage here, the application is based on your current employment and income in the UK – and obviously your current visa.
We’ll take all those details as part of our initial conversation and then make recommendations for you on that basis.
Can someone on a temporary Ukraine visa scheme get a mortgage with only their visa as proof of status?
You just need to get your share code from the UK government website to prove you have the right to be in the UK. That’s the main evidence needed.
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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.
Will the Ukraine Family Scheme visa affect the size of deposit required for a mortgage?
Again, criteria for this varies between lenders. It’s best to contact us directly and we’ll give you specific advice based on your circumstances
Are there special mortgage offers for Ukrainians under the visa scheme?
Lenders update their product ranges on a daily basis, and as we speak today in November 2025, this visa scheme has been around for a couple of years.
To date there haven’t been any special products specifically for this scheme. You just need to apply under a lender’s normal product range and criteria.
What happens if you have a mortgage and you host someone under the Homes for Ukraine schemes? Do you need lender consent?
This varies from lender to lender. Some lenders want you to inform them, while others don’t. We would advise a client on this depending on the mortgage provider they choose.
Does being a visa holder under the Ukraine Family Scheme affect the interest rate or terms offered on a mortgage?
You’re not going to be eligible for every mortgage with every single provider when you’re here under this visa. So that will affect the rate and terms, in that there are only limited providers available – so you have to work within those parameters.
Having said that, we do have high street lenders among those providers, so there should still be reasonably competitive deals available.
Can someone on the Ukraine Family Scheme use government benefits, if eligible, as part of their income assessment for a mortgage?
Yes. You can apply under normal criteria with the providers that offer mortgages under this scheme.
You do need to be working and have some income from employment – you couldn’t apply for a mortgage if your income is fully from benefits. But certain benefits can supplement the main income from employment for your mortgage application.
What else do we need to know about getting a mortgage under the Ukraine Family Scheme?
We help people get mortgages under this scheme every day. So the best thing to do is just get in touch with us and we’ll see what we can do to help.
Key Takeaways:
- Various lenders in the UK are accepting the Ukraine Family Scheme visa for mortgage applications.
- The essential documentation is similar to any other mortgage application (proof of ID, income, and deposit), but an extra requirement is a share code from the UK government website to prove the Right to Reside.
- Mortgage eligibility and application are based on your current employment, income in the UK, and visa status.
- There are no specific, separate mortgage products for those under the Ukraine Family Scheme; applicants use a lender’s normal product range and criteria.
- While high street lenders are among the providers, the limited number of available lenders can affect the interest rate and terms offered.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
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