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Non UK Nationals

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Application β†’ All guides

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A - Z of Application criteria
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Deposit sources
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Direct Debits
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Early repayment charges
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Interest
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Tenure
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Loan to income multiples
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Loan purpose
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Loan size
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Location
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Maximum LTV
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Mortgage Term
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Offer validity
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Overpayments
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Payment holidays
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Porting
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Rate switches
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Remortgage & Additional Borrowing
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Repayment methods
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Adverse Credit
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Age
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Applicants
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Asylum Seekers
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Boosters
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Commitments & Expenditure
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Customer Verification
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Dependants
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Expat
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First-Time Buyer
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Home Movers
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Non UK Nationals
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Overseas applicants
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Owners
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Retirement
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Students
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Vulnerable Customers

Income and employment β†’ All guides

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A - Z of Income types
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Benefit income
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Contract workers
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Employed
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Foreign currency income
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Holiday Lets
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Minimum incomes
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Other income types
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Parental Leave
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Pay increases
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Pension
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Piecework
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Rental income
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Retirement income
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Self Employed
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Stipend Income
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A - Z of Property types
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A - Z of Purchasing schemes
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Bedroom count
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Construction types
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Current value
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Discounted purchase price
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Flood Risk
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Help to Buy
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Leasehold
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New builds
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New Build; Incentives & Part Exchange
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Property Charges
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Property values
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Retentions
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Tenure types
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Valuations

Packaging guide β†’ All guides

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Employed income
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Investment income
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Maintenance income
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Parental Leave
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Rental income
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Self-employed income
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Sole traders income
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Address verification
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Additional support
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Identification
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Miscellaneous
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Occupier’s consent
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Proof of deposit
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Retirement plans and pension

Generation Home Products and Services β†’ All guides

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Registering on our panel
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Income boosters
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Deposit boosters
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The Home Agreement
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Conveyancing
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ILA
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Toolkit for your clients
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Toolkit for you
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Tariff of Mortgage charges
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Terms of Business
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Privacy notice

Non UK Nationals

Where the Customer is a Foreign National, Generation Home will satisfy itself that the Customer is a UK resident and is entitled to live and work in the UK.

Generation Home defines UK Residency as an individual who is registered for, and pays, UK tax and has either:

  • UK Citizenship
  • EU settled or pre-settled status
  • Indefinite Leave to Remain
  • UK Spousal (5 or 10 year route) *Where applying in joint names and at least one borrower on the application has permanent right to reside in the UK

All Foreign Nationals are required to have a minimum of 3 years address and credit history within the UK and have current active UK credit.

Where applicants do not meet the above requirements e.g. have not been in the UK for 3 years or where they have entered on a Visa the following criteria will be applied:

  • At least one customer on the application must have permanent right to reside in the UK (As defined above)
  • Customer’s credit profile must evidence 2 years residence in the UK.
  • Loan to Value (LTV) is <=80%
  • Application total income is >=Β£100,000. This is the combined income of all applicants and therefore does not need to be the income of the customer who does not have permanent right to reside.
  • The applicant must have one of the following Visas: - Skilled Worker (previously known as Tier 2) - Health & Care Worker - Senior or Specialist Worker - International Sportsperson - Ancestry Visa - Spousal Visa (5 or 10 route) *Where applying in joint names

Document requirements

Leave to remain in the UK and all Visa’s outlined above must be evidenced by a stamp in the Customer’s passport OR Biometric Residence Permit showing 'indefinite' rights to remain (this includes 'indefinite leave to remain', 'indefinite leave to enter' or 'no time limit').

Where an applicant has EU Settled or Pre-Settled status, Generation Home will require the applicant's immigration status online gov.uk share code. The code provided lasts for 30 days and enables us to view their immigration status.

Where any of the above documentation cannot be provided, Generation Home may require a Home Office letter to verify the applicants current residential status.

No exceptions to the above documentation are permitted