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Foreign Nationals Criteria

        Creating a world of possibilities 

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Considered up to 90% LTV*

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No minimum time in the UK**

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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....
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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%.
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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.

Trusted by brokers

“The ability of the MPowered platform to instantly read and verify uploaded documents is so impressive and has made my life a whole lot easier.”

Richard Davidson

Mortgage and Protection Advisor, Mortgage Advice Bureau

“I can’t believe how easy it is to submit a mortgage application. In just 10 minutes, I was able to submit a full application without the usual hassle of filling out endless questions.”

Tim Chamberlin

Mortgage and Protection Advisor, Zing Mortgages

“First time as a broker using MPowered and I wasn't disappointed, amazing system, easy to use and quick turn around times. I am very impressed and will be using them again.”

Susan Bray

Owner, SJB Financial

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* Other core max LTV caps still apply
** LTV capped at 75% and additional underwriting requirements apply where any customer has been in the UK for under 2 years
***Maximum loan of £275,000 on flats where where LTV is greater than 85%, standard max loans apply up to 85% LTV.