We work with lenders who regularly accept Skilled Workers, Health and Care Workers, spouse and other visa holders, including cases the high street won't consider.
One-minute enquiry. A specialist adviser calls you back, usually the same working day.
If you're living and working in the UK on a visa, you may already have been told that you need indefinite leave to remain, a large deposit, or years of UK credit history before anyone will lend to you. It's a common message, and for a lot of people it's simply not true. There is no rule preventing a foreign national from owning property in the UK. The difficulty is that lenders don't all treat visa holders in the same way.
One lender might be comfortable with a Skilled Workers visa holder who has been in the UK for a year. Another might want three years of UK address history, a minimum amount of time remaining on the visa, or a bigger deposit than they would ask of anyone else. Some high street lenders won't consider a visa application at all until you have settled status. None of that means you can't get a mortgage. It means you need to be with the right lender from the start.
This is where applying to the wrong lender causes real problems. You could wait weeks for a decision, only to be told your visa doesn't meet that lender's criteria, by which point you may have paid for a survey, instructed solicitors, or picked up a hard credit search that makes the next application harder. Knowing which lenders to approach for your circumstances is exactly where we come in.
At Bluebell Mortgages, we help people arrange mortgages when their circumstances don't fit the standard high street box, including foreign nationals on a wide range of visas. We take the time to understand your status, your plans and the lender criteria before recommending where to apply. We work with a wide array of lenders, including those more comfortable with visa holders, smaller deposits, shorter UK residency and deposits gifted from family overseas. So whether you're buying your first UK home, remortgaging one you already own, or trying to rescue a purchase after another lender has said no, we can help you work out your options.
You deal with one named adviser the whole way through. We do the lender research and the paperwork, so you get a clear path forward.
Fill in the one-minute form with a few details about you, your visa and your plans.
A specialist rings you back, usually the same working day, to understand your status, your deposit and what you're looking to do.
From 100+ lenders, we shortlist those genuinely comfortable with your visa and circumstances, and present your case correctly.
A dedicated team handles the paperwork and liaises with agents and solicitors, right through to completion.
Over 100 lenders, including those who consider visa holders after 12 months in the UK, accept smaller deposits, and take a sensible view on time remaining on a visa. Using the right lender from the start makes a real difference: your application is far more likely to be accepted first time, which protects your credit file and keeps your purchase on track.
We understand how lenders assess visa holders and what they'll ask for. Once we've reviewed your status, your time in the UK and your deposit, we can identify the lenders most likely to consider your case properly, protecting your time and avoiding unnecessary credit checks.
We handle the research, lender selection, application and paperwork, including the parts that trip visa applications up, such as evidencing your immigration status and the source of a deposit sent from abroad. A dedicated administration team liaises with estate agents and solicitors to keep things moving.
We regularly help people whose bank has said they need indefinite leave to remain, more time in the UK or a bigger deposit. A decline from one lender doesn't mean you can't get a mortgage. We review why, then assess whether another lender may take a different view.
You deal with a real person throughout, never a call centre, so you don't have to explain your circumstances to multiple different people. Your adviser explains what's needed, why it matters, and which lenders may consider your application.
Fill in the 30-second enquiry or call us and speak to an adviser directly.
No. Indefinite leave to remain or settled status gives you the widest choice of lenders, but a number of lenders will consider applicants on Skilled Workers, Health and Care Workers, spouse and other visas. What matters is your visa type, how long you've lived in the UK and how long is left on your visa, and we'll tell you where you stand before anything is submitted.
It depends on the lender. Some want two or three years of UK address history, while others will consider applicants after 12 months, and a small number sooner than that. This is one of the main things we check before recommending where to apply.
Many lenders like to see at least 12 months remaining. Some will consider less where you're on a route to settlement and your employment is stable, and some don't set a minimum at all. If your visa is due for renewal, tell us early so we can plan around it.
Not necessarily. Visa holders are often told they need 25 percent. In practice, some lenders will consider deposits of 10 percent, and in some cases 5 percent, depending on your time in the UK, your income and your credit profile. A larger deposit opens up more lenders and better rates, but it isn't a requirement for everyone.
It's very common for people who have recently moved to the UK and it isn't a barrier with the right lender. Some lenders assess a case manually rather than by credit score. Having a UK bank account, being on the electoral roll where you're eligible, and keeping a couple of accounts paid on time all help.
Yes, with many lenders. You'll need to evidence where the money has come from and how it reached your UK account, and we'll tell you exactly what's required at the start so it doesn't hold your application up later.
Yes, and it often widens your choice of lenders and can improve the terms available. The lender will still assess both applicants, but a joint application with a settled partner is a well-trodden path.
No. The initial conversation with an adviser is free and there's no obligation. If you decide to go ahead, any fee for arranging your mortgage will be explained and agreed with you before you commit to anything.
Bluebell took on a very complex challenge in securing me a very competitive mortgage. Getting a mainstream lender to even consider the request was extremely difficult. Incredibly resourceful and tenacious, with excellent customer support.
I had a fantastic experience with Bluebell Mortgages and couldn't recommend them highly enough. From start to finish, the whole process of securing my mortgage was made to feel simple, clear and completely manageable.
From the very beginning they were professional, patient and helpful. They made what I expected to be a complicated and stressful process feel straightforward, and always took the time to explain everything clearly.
I was recommended Bluebell by a family member and it was one of the best decisions I've made. I had previously been with another brokerage that made things complicated, but Bluebell went above and beyond to make sure I got the right deal.
An excellent, professional company with a very nice service that helps throughout the entire property purchase process. Without you, I wouldn't have a new home.
The customer service was outstanding and the whole team were incredibly helpful, professional and supportive throughout the entire process. Communication was clear and consistent, making everything feel easy and stress free.
Very kind and friendly and guided us well. They responded very quickly and answered our questions swiftly and promptly. Highly recommend their services.
Bluebell were outstanding. My purchase ended up being much longer and trickier than expected, and they supported me through every stage. They went above and beyond the brief.
Fill in the one-minute enquiry and a specialist adviser will call you back, usually the same working day.
Prefer to talk now? Call 01473 213312 and speak to an adviser directly.
Pop your details in, a real adviser will call you back, usually the same working day.
