Skilled Workers & Foreign National Mortages

Who It’s For

  • Health & Care Worker Visa holders
  • Skilled Worker Visa holders
  • NHS staff & sponsored care workers
  • Foreign nationals residing in the UK
  • Applicants with limited UK credit history
Learn More

What We Arrange

  • Residential mortgages
  • Buy-to-let mortgages
  • Remortgaging options
  • Specialist visa-holder lending
  • Specialist visa-holder lending
  • Access to competitive market products

First Time Buyer

Indicative market products may include:

  • Buy-to-Let rates from 3.15%*
  • Residential rates from 4.08%*

Lender Incentives

Indicative market products may include:

  • Zero bank arrangement fees*
  • Free valuations*
  • Lender contribution to legals*
  • Free legals*
  • Fixed rate options*
  • Rates, incentives and criteria vary by lender and individual circumstances.

Our Approach

Indicative market products may include:

  • Structured case presentation
  • Specialist broker introduction
  • Visa-aware lender matching
  • Clear documentation guidance
  • FCA-regulated advice via authorised brokers

Important

ACEFC acts as an introducer only.   We do not provide mortgage advice.   All advice is provided by FCA-authorised brokers. Your home may be repossessed if you do not keep up repayments on your mortgage.

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If you are seeking structured property solutions, specialist finance, or long-term housing partnerships, we invite you to speak with ACEFC.

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Number

07344 031 232

Email:

admin@firstchoiceforyou.com

© 2026 ACEFC. All rights reserved.

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🏡 ACEFC | SKILLED WORKER, CARE VISA & FOREIGN NATIONAL MORTGAGES

For UK-based visa holders, healthcare professionals & overseas nationals

❓ What is a Skilled Workeror Foreign National Mortgage ?

This is a UK mortgage designed for applicants who are:

• On a Skilled Worker Visa
• On a Health & Care Worker Visa
• Sponsored by a UK employer
• A Foreign National residing in the UK
• An NHS or healthcare professional

Not all high street banks lend to visa holders — however, specialist lenders may consider applications subject to eligibility.

🔑 Who is it suitable for?

This may be suitable for:

  • Nurses and NHS employees
  • Care assistants and support workers
  • Sponsored healthcare professionals
  • Skilled Worker Visa holders
  • Foreign Nationals with UK income
  • Applicants with limited UK credit history
  • First-time buyers
  • Buy-to-let investors

Applicants must meet lender affordability and visa criteria.

🏠 What can you buy ?

Subject to lender assessment, you may be able to purchase:

  • Residential homes
  • New-build properties
  • Shared ownership homes
  • Buy-to-let properties
  • Remortgage existing properties

Each case is assessed individually by the broker and lender.

📊 Foreign Nationals – Explore Current Rates & Offers

Indicative specialist market products may include:

  • Buy-to-Let rates starting from 3.15%*
  • Residential rates starting from 4.08%*

Some lenders may also offer additional incentives such as:

  • Zero Bank Arrangement Fees
  • Free Valuations*
  • Lender Contribution to Legals*
  • Free Legals*
  • Fixed Mortgages*

Incentives & fees vary by lender & product. Not all lenders offer these options. Availability depends on visa status, credit profile, deposit level and affordability.

All advice and recommendations are provided by FCA-authorised brokers.

⭐ Key benefits

✅ Access to specialist lenders experienced with visa holders
✅ Residential and buy-to-let options
✅ Support for complex income structures (overtime, shift pay)
✅ Guidance on documentation preparation
✅ FCA-regulated lending environment via authorised brokers

⚠️ Important to know

  • Visa length remaining can impact lender choice
  • Minimum income thresholds may apply
  • Interest rates vary by profile and product
  • Property valuation is required
  • Credit and affordability checks apply
  • Mortgage rates and incentives can change

Not all applicants or properties will be accepted.

🤝 Our role at ACEFC

✔ ACEFC acts as an introducer only
✔ We are not authorised to provide mortgage advice
✔ We introduce clients to FCA-regulated brokers
✔ All suitability assessments and approvals are handled by the broker or lender
✔ We assist in preparing and structuring your case before referral

📩 Considering a mortgage as a visa holder or foreign national?

Email: admin@firstchoiceforyou.com
 📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information provided is for general guidance only and does not constitute financial advice.

Mortgage advice and recommendations are provided by authorised brokers.

Your home may be repossessed if you do not keep up repayments on your mortgage