Loan & LTV limits for foreign nationals

EU citizens

Applicants from member countries can be accepted within normal lending criteria. 

Member countries are: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

European Economic Area

Applicants from countries, which are members of the European Economic Area, can also be accepted within normal lending criteria. 

These include: Iceland, Liechtenstein, Norway and Switzerland.

Indefinite leave to remain


Evidence of indefinite leave is required for over 75% LTV lending. This should be evidenced either by a stamp in the applicant's passport, or by a letter from the Home Office.

Settled/pre-settled status


Evidence of Settled/pre-settled status is required.  The share code, which is provided as part of the EU Settlement Scheme, should be provided.


Joint applications where one applicant has indefinite leave to remain

Where at least one applicant on a joint application has indefinite leave to remain or is a British citizen then we can now offer up to 95% LTV lending subject to standard product and eligibility criteria.


For joint borrower sole proprietor lending, both applicants must have indefinite leave to remain.

No settled/pre-settled status or indefinite leave to remain not granted

This is acceptable at a maximum LTV of 75%.

All applicants must have evidence that they can currently reside in the UK e.g. immigration documentation or passport stamp.