Foreign nationals are individuals from countries outside the UK who hold a visa granting them the right to live and work in the UK.

In certain situations, we impose additional restrictions on applications from foreign national customers.

However, the restrictions do not apply if one of the following criteria is met by all customers:

• The customer is a British or Irish citizen,
• The customer has EU settled or pre-settled status,
• The customer has indefinite leave to remain, or
• The customer has a family visa and are applying jointly with a customer who has a permanent right to reside.
  • They must be applying with the person on whom they are dependent, where applicable.

If a customer's income is not taken into account, the additional restriction do not apply, regardless of whether they meet the above criteria.

Restriction:

• Maximum 90% LTV
• 2 years’ UK credit history - as determined by the start date of their oldest account as reported through Experian

Packaging guidance:

Leave to remain in the UK and all visas must be evidenced by the customer's gov.uk sharecode (eVisa)