Posted on March 11th, 2026.

If you’ve recently moved to the UK (or you’re here on a visa) and you’re thinking about buying a home, it can feel confusing because different people tell you different things.

Here’s the truth: there isn’t one rule that fits everyone. Lender criteria can vary — but there are common factors that usually matter.

This guide explains what lenders often look at, how to prepare, and how to avoid common delays — in plain English.

1) Deposit: why it matters more when you’re new to the UK

For many visa/new-to-UK buyers, deposit size can be a key factor, because it reduces the lender’s risk.

• A larger deposit can improve lender choice
• It can also help if your UK credit footprint is still “thin”

There’s no single “minimum” that applies to everyone — it depends on your visa type, income, credit profile, and the lender’s policy at the time.

2) Income and employment: stability is the keyword

Lenders typically want to see income that is:

• Regular and provable
• Supported by payslips / bank statements
• Consistent with affordability checks

If you’re employed, lenders may look at:

• Employment type (permanent / fixed-term / contract)
• Probation period (some lenders are more flexible than others)
• Length of time with employer (lender dependent)

If you’re self-employed, the evidence requirements can differ (accounts, SA302/tax overviews, etc.) and some lenders are more supportive than others.

3) UK credit history: what if yours is “new” or limited?

A lot of new arrivals worry about credit score — but the bigger issue is usually credit history depth.

Common reasons lenders may ask more questions:

• Short UK address history
• Limited UK credit accounts
• Thin data on credit files

This doesn’t automatically mean “no mortgage”. It usually means you need to build a clearer paper trail and choose lenders whose criteria fits your situation.

4) Documents: what you should prepare (so the process moves faster)

Having documents ready makes a big difference. Most lenders typically want:

• Photo ID and proof of address
• Payslips / proof of income
• Bank statements (showing income + outgoings)
• Deposit evidence (savings trail / gifted deposit evidence)
• Visa / residency evidence (where applicable)

If your deposit is gifted, you’ll normally need:

• A clear source trail
• A gifted deposit letter (requirements vary by lender/solicitor)

5) AIP vs mortgage offer (important)

• An Agreement in Principle (AIP) is a useful early step
• But it’s not a guaranteed offer
• The full mortgage offer comes after a detailed application and underwriting

6) Why March is a smart time to plan (even if you’re not buying tomorrow)

March is often a busy season for property, and borrowers pay close attention to rates and lender changes. Planning early helps reduce surprises and delays.

Common mistakes (and how to avoid them)

• Mistake 1: Starting viewings without clarity
  Fix: get an eligibility sense-check first
• Mistake 2: Deposit source not clearly evidenced
  Fix: keep statements and a clean “trail”
• Mistake 3: Changing finances mid-application
  Fix: avoid new credit applications and keep spending stable while applying

FAQs: Mortgages for new-to-UK / visa buyers

1. Can I get a UK mortgage if I’m on a visa?
   Often yes, but it depends on your visa type, income, deposit, and lender criteria. A quick pre-check helps.
2. Do I need ILR to get a mortgage?
   Not always. Some lenders will consider applicants without ILR, depending on circumstances and policy at the time.
3. What deposit do I usually need as a new-to-UK buyer?
   There’s no single rule — deposit expectations vary by lender and personal circumstances.
4. Does a low credit score mean I’ll be declined?
   Not necessarily. Many cases come down to overall affordability, stability, and credit history depth.
5. What documents should I prepare first?
   ID, Proof of address, Income evidence, Bank statements, Deposit proof, Relevant visa/residency documents

Free 15-minute eligibility check 

If you would like a quick, no-pressure sense-check of your options, we can help.

• Book Your Free 15-Minute Eligibility Check
• Call Us
• WhatsApp Us

Compliance note

• Your property may be repossessed if you do not keep up repayments on your mortgage.
• The FCA does not regulate some forms of Buy To Let services.

Disclaimer: This article provides general information only and does not constitute financial advice. Every mortgage application is unique, and we recommend speaking with a qualified mortgage adviser for personalised guidance. Your home may be repossessed if you do not keep up repayments on your mortgage.