Eligibility & Criteria
Eligibility & Criteria
Self-Employed Mortgages with One Year’s Accounts
Last Updated: December 16, 2025Self-employed applicants with only one year of trading accounts may still be considered for a mortgage, although available options are...
Visa Holder Mortgages – Who Qualifies and What’s Required?
Last Updated: October 14, 2025Visa holders (e.g. Skilled Worker, Global Talent) can obtain UK mortgages if they meet certain criteria: valid visa, proof of...
Who Is Considered a First-Time Buyer in the UK?
Last Updated: October 14, 2025A first-time buyer in the UK is someone who has never owned a residential property anywhere in the world, whether...
General Mortgage Eligibility in the UK
Last Updated: October 11, 2025To qualify for a mortgage in the UK, you must be at least 18 years old, have a regular and...
Income and Employment Requirements for UK Mortgages
Last Updated: October 11, 2025Lenders in the UK evaluate your ability to afford repayments through detailed income checks.
Residency and Visa Requirements
Last Updated: October 11, 2025Your residency status is one of the main factors determining your mortgage eligibility in the UK.
Credit Score and Financial History Checks
Last Updated: October 11, 2025A strong credit profile significantly improves your mortgage eligibility in the UK. Lenders check your credit score to evaluate your...
Deposit, LTV, and Property Type Criteria
Last Updated: October 11, 2025The size of your deposit affects both eligibility and the mortgage rate you’ll receive.In the UK, most residential mortgages require...