Visa & Residency Status
When you live in the UK, but your status or history here is still new
Overview
Having recently arrived in the UK, or holding limited leave to remain, doesn't rule you out of getting a mortgage — but it does rule out some lenders. The issues are usually about how long you've been here, how long you're able to stay, and how much UK credit history you've had the chance to build. We know which lenders take a common-sense view of each. (Living outside the UK? See our Expats & Foreign Currency Income page instead.)
Recent Arrivals to the UK
A short UK address history and a thin credit file can trip up automated lender checks — some lenders look past this and assess you properly
Limited Leave to Remain
Your visa type and the time left on it both affect which lenders will consider you, and sometimes the term or loan-to-value they'll offer
Settled & Pre-Settled Status
Indefinite Leave to Remain and EU Settlement Scheme status are treated differently from lender to lender — we know who accepts what
Building Your UK Credit Footprint
Simple steps — like registering on the electoral roll where you're eligible, and running UK accounts — can widen your options. We'll tell you what helps
Why Choose Domus Finance?
Lender Knowledge
We know which lenders accept your visa type and residency status, and how long they need you to have been in the UK
Buying to Let?
Most cases here are home purchases, but Buy to Let is possible with the right lender — we'll tell you honestly what's achievable
Realistic Expectations
We'll tell you what evidence you'll need before you commit time to the wrong lender
Whole of Market Access
We search thousands of mortgage products to find the best rates and terms for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
The Mortgage Process
Initial Consultation
We'll discuss your needs, circumstances, and financial goals to understand what you're looking for.
Research & Comparison
We'll search the entire market to find the best mortgage products that match your requirements.
Application Submission
Once you're happy with our recommendation, we'll handle the application process on your behalf.
Completion
We'll keep you updated throughout and celebrate with you when your mortgage completes.
Ready to Get Started?
Speak with one of our mortgage experts today for a free, no-obligation consultation.