Mortgage on a Spouse Visa UK: Eligibility, Deposit & Lender Criteria (2026)

Main answer: Yes, you can get a UK mortgage on a spouse/partner visa. Lenders assess visa time remaining, deposit size (LTV), UK income evidence and your UK credit footprint, plus whether you are applying jointly with a British or settled partner. Many prefer at least 12 months left on the visa, but criteria varies.

In this guide:

• Visa Time Remaining
• Deposit/LTV
• UK Income Evidence
• UK Credit Footprint

Navigating the UK property market while on a spouse visa can seem like a complex journey, often raising questions about eligibility and the mortgage application process. The prospect of homeownership in the UK is an achievable goal for many, but it’s crucial to understand the specific requirements and potential challenges that may arise. This comprehensive guide aims to demystify the process of securing a mortgage on a spouse visa, providing clear insights into what mortgage lenders look for, the documentation required, and strategies for success. Whether you’re new to the UK or have been here for some time, understanding your options is the first step towards stepping onto the property ladder.

The article is updated as of 7th Jan 2026. Your home may be repossessed if you do not keep up repayments on your mortgage.

What is a Spouse Visa?

A spouse visa, often referred to as a  spouse/partner visa or part of the broader Family Visa category, is designed for individuals who wish to live in the United Kingdom with their partner who is a British citizen, has indefinite leave to remain, or is settled in the UK. It allows the visa holder to reside, work, and study in the UK for an initial period, typically around 30-33 months. This visa can then be extended for a further 30 months, allowing individuals to accumulate significant time in the UK before potentially applying for permanent residencyThe borrower's residency status, such as whether they are a .... The primary requirement is a genuine and subsisting relationship, alongside meeting financial and accommodation criteria set by the Home Office. Understanding your specific visa status and its implications is fundamental when considering any major financial commitments in the UK, including a UK mortgage. For detailed information on eligibility and application procedures, the official UK government website is the definitive resource for spouse visa guidelines.

What are the requirements to get a mortgage on a spouse visa?

Obtaining a UK mortgage as a foreign national on a spouse visa involves meeting specific lender criteria that often go beyond those for UK citizens. While the core principles of demonstrating affordability, stable income, and responsible financial management remain consistent, lenders will pay close attention to your visa status and its duration.

Key requirements typically include:

• Valid Visa Status: Most lenders accept spouse/partner visas and may also consider other long-term UK visa typesThe different types of visas that are available to non UK re.... Criteria vary by lender. The length of time remaining on your visa is a critical factor, with many lenders preferring applicants to have a significant period left – often 12 months or more. Some mortgage lenders may have specific lender restrictions based on the type and duration of your visa.
• UK Residency: Lenders will assess your UK residency and how long you have been living in the UK. Having indefinite leave to remain (ILR) or settled status can improve lender options, but you can still be eligible on a spouse/partner visa depending on time remaining and overall profile. While not always mandatory for a spouse visa mortgage, these statuses indicate a longer-term commitment to the UK, which is favourable.
• UK Credit Footprint: Establishing a positive UK credit footprint is paramount. This involves demonstrating a history of responsible borrowing and timely payments. If you have recently arrived in the UK, you may have little to no credit history. In such cases, lenders might require a larger deposit or recommend building a credit report through various means, such as utility bills and credit cards.
• Income Stability and Requirements: Lenders need assurance of your ability to make mortgage Payments. This means proving a stable and sufficient income. For those on a spouse visa, income can come from employment, self-employment, or other sources. However, complex income situations may require more detailed documentation. There are also specific income requirements that vary by lender.
• Deposit Requirements: A substantial deposit is often a key requirement. The loan to valueThe ratio of the mortgage amount to the value of the propert... (LTV) ratio a lender is willing to offer can be influenced by your visa status. Typically, a larger deposit can offset perceived risks associated with foreign national borrowers.
• Proof of Identity and Address: You will need to provide robust proof of identity, such as a biometric ID card, UK driving licence, or passport, along with proof of addressEvidence of a borrower's current address, such as a utility ..., which can include utility bills and registration on the electoral register. These are standard identity checks.
• Relationship Status: As the visa is based on your relationship, evidence of your marriage or civil partnership will be required.

Visa time remaining: what lenders typically look for

• Some consider 12+ months remaining
• Others want 24+ months
• Often easier if applying jointly with a settled/British partner
• If visa is short, you may need more deposit or a specialist lender

 Documents you’ll usually need

• Passport + BRP/eVisa share code (if applicable)
• Visa grant/decision letter
• 3–6 months payslips + bank statementsA record of a borrower's financial transactions often requir...
• Proof of depositEvidence that a borrower has the required deposit to purchas... + source of funds
• Proof of address (tenancy agreement, council tax bill, utility bill, bank statement)
• Credit report notes (thin file OK)
• If self-employed: SA302 + tax year overviews / accounts

Who this guide is for

This guide is for you if you are on a UK spouse/partner visa (or applying for one) and you want to buy a home in the UK, but you are unsure:

• Whether you are eligible for a mortgage before you have ILR/settled status
• How much visa time remaining lenders normally want to see
• Whether you need a larger deposit because you are a visa holder or new to the UK
• What to do if you have a thin UK credit file (or no UK credit history yet)
• Whether a joint mortgage with your British/settled partner improves your options
• Which documents you should prepare to avoid delays and reduce the risk of decline

Next steps (to improve approval chances)

1. Check how much time is left on your visa
   Lenders often look for a minimum amount of time remaining. If your visa has a shorter remaining term, you may need a higher deposit or a more specialist lender.
2. Decide if a joint application makes sense
   If your spouse has UK citizenship, ILR or settled status, a joint mortgage can widen lender choice and sometimes improve rates and borrowing power.
3. Get an Agreement in Principle (AIP) before viewing properties seriously
   An AIP helps you understand what you can borrow and shows estate agents you are a credible buyer. It also helps identify lender criteria issues early.
4. Build your UK credit footprint (if it is thin)
   Make sure your address history is consistent, pay household bills on time, and avoid multiple credit applications in a short period. Even small steps can help lenders assess you more confidently.
5. Prepare a clean document pack before you apply
   Have your visa details, proof of income, bank statements, and deposit evidence ready. Missing paperwork is one of the biggest causes of delays for visa-holder applications.
6. Speak to a whole-of-market broker who places visa-holder cases
   A broker can match you with lenders who are comfortable with spouse/partner visas, reducing the chance of unnecessary declines and speeding up the process.

If you are a first-time buyer, relocating to the UK, or trying to move from renting to homeownership while your visa is time-limited, the steps below will help you approach lenders in the right order.

How long does it take to get a mortgage on a spouse visa?

The timeframe for obtaining a mortgage on a spouse visa can vary, but it generally takes longer than for a UK citizen due to additional verification processes. The entire application process, from initial enquiry to receiving a mortgage offer, can typically range from 6 to 10 weeks.

Here’s a breakdown of the stages and their typical durations:

• Initial Consultation and Agreement in Principle (AIP): Speaking with a mortgage broker or lender and obtaining an mortgage agreement in principle can take anywhere from a few days to two weeks. This initial assessment provides a realistic estimate of how much you might be able to borrow.
• Full Mortgage Application: Submitting the full mortgage application involves providing comprehensive documentation related to your visa, income, employment, and finances. This stage can take approximately 2-4 weeks for the lender to review.
• Underwriting and Valuation: Once the application is submitted, the lender’s underwriting team will assess your risk profile. This includes credit checks (credit search) and potentially a property valuation (valuation fees). This phase can add another 2-4 weeks.
• Mortgage Offer: Upon successful underwriting, you will receive a formal mortgage offer.
• CompletionThe point at which a property purchase is finalized and owne...: The final stage, known as completion, involves solicitors for both parties, finalising legal aspects, and transferring funds. This can take a further 2-4 weeks.

The exact timing is influenced by the complexity of your financial situation, the speed at which you provide documentation, the chosen mortgage lenders, and the efficiency of your solicitor. Working with an experienced mortgage broker can streamline this process by guiding you to suitable lenders and helping you prepare all necessary documents efficiently.

How much can I borrow with a spousal visa?

The amount you can borrow with a spousal visa is primarily determined by your income and your overall financial stability, similar to how it’s assessed for UK residents. Most mortgage lenders typically allow borrowing up to 3.5 to 4.5 times your gross annual income. For instance, if your annual income is £50,000, you might be able to borrow between £175,000 and £225,000.

However, this multiplier can be higher for some applicants who demonstrate exceptional financial strength. Certain lenders might offer up to 5.5 or even 6 times your annual income, particularly if you have a strong credit report, a substantial deposit, and a secure employment status with a reputable employer.

When applying for a joint mortgage, lenders will combine the incomes of both applicants. This can significantly increase the borrowing capacity compared to a sole application. For example, if one applicant is on a spouse visa with a £40,000 salary and the other is a UK citizen earning £50,000, their combined income could support a much larger loan.

Crucially, affordability checks are rigorous. Lenders will consider your existing credit commitmentsAny existing financial commitments, such as credit card or l..., such as credit cards, loans, and other financial obligations, as well as your monthly outgoings, to ensure you can comfortably manage the mortgage payments without undue financial strain. Specialist lenders may have slightly different calculations for foreign nationals, but the principle of income-based borrowing remains the core of their assessment.

How much deposit is needed for a spouse visa mortgage?

The deposit requirements for a spouse visa mortgage can be a significant consideration, and often, lenders will ask for a larger deposit compared to UK citizens. While a standard UK mortgage might be obtainable with a 10% deposit, as a foreign national mortgage applicant on a spouse visa, you may find that lenders typically require a deposit of 20% to 30% of the property’s value.

This higher deposit requirement helps to mitigate the perceived risk for lenders. It reduces the loan to value (LTV) ratio, meaning the loan amount is a smaller percentage of the property’s value, which can make the loan more secure for the lender.

However, the exact amount can vary considerably depending on several factors:

• Your Visa Length: A longer remaining visa duration might allow for a lower deposit.
• Your Credit History: A strong credit report and credit score can sometimes help negotiate a lower deposit.
• The Lender: Some specialist lenders are more flexible on deposit amounts for visa holders than high street banks.
• Your Income Stability: Demonstrating very stable and high income may also influence the deposit requirement.
• Joint Application: Applying for a joint mortgage with a partner who has a stronger financial profile (e.g., UK citizenship or settled status) might also allow for a lower deposit.

It’s also worth noting that some lenders may accept a lower deposit amount, particularly if you are applying for specific mortgage products or have an exceptional profile. In such cases, contacting a mortgage broker is highly recommended, as they can identify lenders who are more accommodating and help structure your application to meet their specific lender criteria. Deposit savings are a crucial part of the affordability puzzle, so planning and saving diligently is key.

Affordability requirements for spouse visa holders

The assessment of affordability for spouse Visa holders is a critical component of the mortgage application and closely mirrors that for UK residents, with a few nuances. Lenders are primarily concerned with ensuring you can comfortably manage your mortgage payments over the long term.

Key affordability factors include:

• Gross IncomeThe total income earned before any deductions, such as taxes...: This is the primary determinant, forming the basis of the borrowing multiplier (typically 3.5-4.5 times your annual income, but potentially higher).
• Net Income: After considering taxes and national insurance, your take-home pay is vital.
• Existing Debts and Credit Commitments: All outstanding loans, credit card balancesOutstanding credit card balances, which may affect a borrowe..., and other financial obligations are factored in. Lenders will scrutinize your credit report for existing credit commitments, as these reduce your disposable income.
• Living Expenses: Lenders often use statistical models to estimate your monthly living costs (food, transport, utilities, etc.), although they may also ask for evidence of your actual spending.
• DependantsAny individuals who depend on the borrower for financial sup...: The number of dependants you have can affect your disposable income.
• Future Financial Commitments: Any foreseeable changes to your financial situation, such as planned increases in expenses or potential fluctuations in income, might be considered.

A crucial aspect for spouse visa holders is demonstrating income stability. Lenders prefer applicants who have been in continuous employment for a reasonable period, ideally with the same employer. If your income is variable or comes from multiple sources (complex income), you will need to provide extensive documentation, such as tax returns, bank statements, and P60s, to prove its reliability.

Many lenders will also consider your residual income – the money you have left after all essential expenses and mortgage payments. This residual amount needs to be sufficient to handle unexpected costs. If you are applying for a joint mortgage, lenders will assess the combined affordability of both applicants, which can significantly boost your borrowing potential. It’s always advisable to consult with a mortgage adviser who understands the specific lender criteria for visa holders to ensure your application is well-prepared.

Credit history and spouse visa mortgages

Your credit history is a cornerstone of any mortgage application, and for Spouse Visa holders, it plays a particularly crucial role in how mortgage lenders assess risk. Lenders use your credit report and the resulting credit score to gauge your reliability as a borrower. A positive credit footprint demonstrates a track record of responsible financial behaviour, such as making payments on time and managing debt effectively.

For individuals new to the UK, establishing a UK credit footprint can be challenging. Many lenders require a minimum period of credit history in the UK, often 12 months or more. Without this, you might be categorised as having “no credit history” or “thin credit file,” which can limit your mortgage options.

Here’s how your credit history impacts your application:

• Access to Lenders: A good credit score opens doors to a wider range of mortgage lenders, including mainstream banks and building societies, and often better interest rates.
• Loan to Value (LTV): A strong credit history can sometimes allow for a higher LTV, meaning you might need a smaller deposit.
• Interest Rates: A poor credit score or significant bad credit often results in higher interest rates, making your mortgage Payments more expensive.
• Application Approval: In severe cases of bad credit, some lenders may outright reject your mortgage application.

Fortunately, steps can be taken to build or improve your credit report in the UK. This includes registering on the electoral register, setting up direct debits for bills like utility bills, and using credit cards responsibly (paying off the balance in full each month). If you have existing bad credit from your home country, it typically won’t directly affect your UK credit score, but it highlights the importance of building a clean credit record in the UK from the outset. Working with a mortgage broker experienced in foreign national mortgages can help navigate these credit considerations.

Can I get a mortgage on a spouse with a bad credit score?

Yes, it is often possible to get a UK mortgage on a Spouse Visa, even with a bad credit score or a limited UK credit footprint. While a bad credit score certainly presents more challenges and may restrict your mortgage options, it does not automatically disqualify you from homeownership in the UK.

Lenders that specialise in mortgages for individuals with adverse credit or those who are foreign nationals often take a more holistic view of your application. They might look beyond a single negative mark on your credit report and focus more on your current financial stability and future prospects.

Here’s what you can expect and how to improve your chances:

• Specialist Lenders: A significant number of specialist lenders and mortgage providers cater to borrowers with less-than-perfect credit. They understand that circumstances can lead to adverse credit, such as unforeseen events or past financial difficulties.
• Larger Deposit: You will likely be required to provide a larger deposit. This reduces the lender’s risk, making them more comfortable approving a loan for someone with bad credit. A deposit of 25-30% or more might be necessary.
• Higher Interest Rates: Be prepared for higher interest rates. Lenders charge more to compensate for the increased risk associated with lending to individuals with a history of bad credit.
• Detailed Documentation: You will need to provide thorough evidence of your income, employment status, and financial management. This includes detailed bank statements and payslips to prove your ability to manage mortgage payments.
• Explanation of Adverse Credit: Be prepared to explain the circumstances that led to your bad credit score. Honesty and transparency are key.
• Mortgage Broker Assistance: Engaging a mortgage broker who has experience with bad credit and foreign national mortgages is highly recommended. They can identify lenders who are more likely to approve your application and help you present your case effectively.

It’s important to understand that “bad credit” can encompass various issues, such as CCJs (County Court Judgments), defaultsMissed payments on credit accounts, which can affect a borro..., late payments, or even previous bankruptcies. The severity and recency of these issues will influence lender decisions. While it may be more difficult, with the right approach and specialist advice, securing a mortgage with a bad credit score on a spouse visa is achievable.

Conclusion

Securing a mortgage on a spouse visa in the UK is an achievable goal, though it requires careful planning and a thorough understanding of the process. Lenders assess applications from visa holders based on a combination of factors including your visa status, remaining visa length, UK credit footprint, income stability, and the size of your deposit. While having a bad credit score or limited UK credit history can present challenges, numerous specialist lenders and the guidance of an experienced mortgage broker can help overcome these obstacles.

The key to a successful mortgage application on a spouse visa lies in preparation: building a positive credit report, demonstrating stable income, saving diligently for a deposit, and gathering all necessary documentation. By working with knowledgeable mortgage experts, you can navigate the complexities of the UK mortgage market, understand various Mortgage options, and ultimately achieve your dream of property ownership in the UK. Don’t let the intricacies of visa requirements deter you; with the right strategy and support, your path to homeownership is well within reach.

Your home may be repossessed if you do not keep up repayments on your mortgage.