Loan and LTV limits for foreign nationals

Customers whose nationality is not British or Irish must provide evidence that they have either indefinite leave to remain or right to reside, via a passport (showing stamp), EU settlement scheme share code or confirmation from the Home Office – LTV limit restrictions are in place for customers without indefinite leave to remain or pre-settled.

European Economic Area

Applicants from countries, which are members of the European Economic Area, can also be accepted within normal lending criteria. 

These include: Iceland, Liechtenstein, Norway and Switzerland.

Indefinite leave to remain


Evidence of indefinite leave is required for over 90% LTV lending. This should be evidenced either an e-visa, a stamp in the applicant's passport or by a letter from the Home Office.

Settled/pre-settled status


Evidence of Settled/pre-settled status is required.  The share code, which is provided as part of the EU Settlement Scheme, should be provided.


Joint applications where one applicant has indefinite leave to remain

Where at least one applicant on a joint application has indefinite leave to remain or is a British citizen then we can now offer up to 95% LTV lending subject to standard product and eligibility criteria.


For joint borrower sole proprietor lending, both applicants must have indefinite leave to remain. If either applicant does not have indefinite leave to remain, the joint borrower sole proprietor lending LTV is a maximum of 75%.

No settled/pre-settled status or indefinite leave to remain not granted

If the applicant(s) have a minimum income of £50,000 the maximum lending LTV is 90%.

If the applicant(s) have an income less than £50,000 the maximum lending LTV is 75%.

All applicants must have evidence that they can currently reside in the UK e.g. immigration documentation or passport stamp.