Your residency status is one of the main factors determining your mortgage eligibility in the UK.

• British citizens and permanent residents (ILR) have full access to most products.
• Visa holders — including Skilled Worker, Health & Care, Global Talent, and Ancestry visas — may be eligible for up to 95% LTV, depending on the lender.
• EEA nationals with settled or pre-settled status also qualify with minimal restrictions.
  Applicants must usually live in the UK at the time of application and provide at least 12 months of address history. Some lenders accept shorter UK residence periods for professionals or high earners.