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, no additional restrictions apply if all of the following criteria are met:

• The customer is a British or Irish citizen,
• They have EU Settled or Pre-Settled Status,
• They hold Indefinite Leave to Remain, or
• They have 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 restrictions 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

There's no requirement for time remaining on the visa, but it is expected to be valid up until the point of offer. Underwriters will apply appropriate discretion on a case-by-case basis.

Packaging guidance:

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