Get a mortgage with a tier 2 visa as nurse working in NHS

mayey87

Hi! I am a nurse working in the NHS on a tier 2 visa, while my partner is a self employed gas engineer with a British passport. Our combined income is around £65-70k per year. My question is: is it possible for us to get a mortgage despite my visa status?

I have been working for the NHS (and in the UK) for 2.5 years. My current visa is valid until 2021, but I have a permanent contract with my employer, which means my visa will automatically be renewed once it expires. By 2023, I will be eligible for an indefinite leave to remain status, and by 2024 I can apply for british citizenship.

In terms of credit scores, mine is very good (better than his), and I have a bigger combined credit card limit (around £8k). I also have a more stable income than him, and as I have a permanent contract with the NHS, my job status is also more stable than his.

My partner is very impatient and wants to get this house ASAP as he has already saved up enough money for the deposit (looking to get a £250-300k house), while I also have enough savings for fees and renovation costs. I, on the other hand, is concerned about my visa status.

Thanks in advance for your replies!

amnblog

For Tier 2 VISA's, Lenders like 3 years in the UK, 2 years left on the VISA, and 25% deposit.

haras_nosirrah

90% is possible as long as the client has been in the uk for at least 2 yrs and it wouldn't matter how long is left on the visa as long as it is still valid.