NHS and Foreign Nationals mortgages
We are excited to introduce our collaboration with Principality Intermediaries to offer enhanced mortgage benefits tailored specifically for foreign nationals or NHS workers. This exclusive opportunity provides exceptional terms designed to meet your unique financial needs.
Our goal is to simplify the mortgage process and provide you with competitive interest rates, flexible repayment options, and personalized support from start to finish, whether you’re purchasing your first home or refinancing.
Please review the detailed eligibility and lender criteria below:
Foreign Nationals Criteria:
Address History: Having a minimum of 2 years of address history in the UK will support and strengthen your credit score for your application.
Visa Requirements: Applicants must have at least 12 months remaining on any type of visa (excluding refugee visas) to be considered.
Deposit Requirements: We can consider applications with a minimum deposit of 5%, which can be entirely gifted from an “Immediate Family” member, either from the UK or overseas.
Enhanced NHS Criteria:
NHS Staff Benefits: All NHS staff members will benefit from enhanced terms for affordability. This means potential mortgage loan borrowing could be up to 5 times your income, applicable across the entire application, even if other applicants are non-NHS.
Employment Considerations: Locum doctors and bank nurses are treated as “Employed,” allowing more favorable affordability rules to be applied. Additionally, 100% of second incomes are considered to improve potential affordability and maximum borrowing.*
We recognise the unique challenges faced by foreign nationals and NHS workers when securing a mortgage. Our partnership with Principality Intermediaries underscores our commitment to making home ownership accessible and rewarding for those who contribute significantly to our communities.
Contact us today to learn more about how you can take advantage of these enhanced mortgage benefits and start your journey towards owning your dream home.
*Eligibility and lender criteria apply when applying for a mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.