Foreign Nationals Criteria
Creating a world of possibilities
Considered up to 90% LTV*
No minimum time in the UK**
No minimum income required
Foreign nationals assessment process
We'll review all mortgage applications to see how long your client has been living in the UK and their right to stay here. Depending on their loan size, additional checks may be required. For full details please visit our criteria.
Case studies: Criteria made to support real-world situations
Let's see how MPowered can help your foreign national clients....
Meet Angela and Lorenzo
Angela has a Tier 2 Visa; however, Lorenzo is currently on a spousal-dependent Visa and has only been in the UK for 18 months.
Scenario: Angela and Lorenzo have been saving for a deposit on a house, with some of the deposit coming from abroad. They want to purchase a new home.
How can MPowered Mortgages help?
MPowered has no minimum residency time in the UK**; as long as Lorenzo has a credit history, we can consider lending up to 75%.
Meet Fatima
Fatima's been in the UK for over 2 years and has 4 months remaining on her Tier 2 Visa, she intends to settle permanently in the UK. A core part of her income working as a nurse comes overtime
Scenario: She's looking to purchase a flat closer to work at 90% LTV.
How can MPowered Mortgages help?
For foreign nationals that have resided in the UK for 2 years prior to applying, MPowered can consider a maximum LTV of 90%***.
Up to 100% of regular monthly overtime can be considered as part of affordability.
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Richard Davidson
Mortgage and Protection Advisor, Mortgage Advice Bureau
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Mortgage and Protection Advisor, Zing Mortgages
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Owner, SJB Financial
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