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Tier 2 visa mortgage


Do you have a Tier 2 visa?

At Tembo, our award-winning team of mortgage experts can help you navigate the mortgage process as a visa holder and find the best deal for you from across our panel of lenders.

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British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


Voted UK's Best Mortgage Broker


Access to over 100 lenders


Same day appointments, 7-days a week

How does it work?

If you're a Tier 2 visa holder, the mortgage process is very similar to any other type of mortgage application. Lenders will check your credit history, income and expenses to determine whether you’d be able to repay the loan without getting into financial trouble. 

The main difference is they’ll usually want to know how long you’ve been a resident in the UK and how long is left on your visa. The longer you’ve been in the UK and the more time left on your visa, the easier it is to get a mortgage.

An experienced mortgage broker like Tembo can help you navigate the mortgage process to ensure you're only applying to lenders whose criteria you are likely to pass and find the best deal for you from across the market.

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Things to consider


What are the benefits?

Access to over 100 lenders

We have access to over 100 providers on our lender panel as well as over 20,000 mortgage products. This allows our award-winning team of mortgage experts to find the right deal for you and your situation.

Trusted by thousands

We've already helped thousands of buyers discover how they could boost their mortgage affordability - it's why we're rated Excellent on Trustpilot!

There may be ways to boost your budget

There are plenty of innovative buying schemes which could help boost your buying budget which you may be eligible for. Our team of mortgage experts can help you explore the options available to you.

Risks & considerations

You need 12 months left on your visa

To be considered for a mortgage, you’ll usually need at least 12 months remaining on your visa, though you may find it a little easier to get a mortgage if you have confirmation from your employer that your work permit will be renewed. 

You'll need a good credit score

Lenders will also want you to have a good credit score. Some lenders will accept a year’s credit history but others will want to see that you’ve been using credit responsibly for anywhere between 2-5 years.

Affordability can be stricter

Affordability checks for applicants with a visa tend to be stricter than they are for UK citizens. You may need a higher salary, or have to put down a bigger house deposit to be approved for a loan. Some lenders will also want evidence that your deposit has come from your own income, rather than being gifted to you by a loved one. 

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


5* rated and thousands of happy customers

The application process

4 simple steps to getting a mortgage

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Make a Tembo recommendation

Create your own Tembo recommendation to discover live interest rates, monthly repayments and product explainers for all the schemes you're eligible for. After that, you'll be invited to book a free, no-obligation call with one of our award-winning team.


Talk to a mortgage expert

We'll complete the qualification process, and help you understand which deals are best for you from our panel of lenders. After that, you'll be looked after by your own dedicated team: a CeMAP qualified mortgage advisor and a case manager.


Apply for your new mortgage

Once you're happy with the product that's been recommended, your mortgage advisor will prepare and submit the mortgage application. Your case manager will act as the liaison between you, the lender and any solicitors to guide you to completion.


Fee-free advice for life

If you do decide in a few years' time that you'd like to switch to a new rate, or consider other options, you'll have fee-free advice for life with Tembo once you've taken out your first mortgage. So you can contact your advisor again to get our expert support.

Looking for alternatives?

Explore our other schemes to discover alternative ways to buy

See all mortgage schemes

On your own

5.5x Income

If you’re a first-time buyer, borrow up to 5.5 times your salary to boost your buying budget.

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On your own

Professional mortgage

Whether you're a vet, doctor, lawyer or accountant, borrow up to 5.5 or 6.5 times your salary to increase your buying power.

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Part buy part rent

Shared ownership

Buy a share of a home, then pay rent on the rest. Over time, buy more of the home till you have full ownership.

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Frequently asked questions

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Further reading

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Other mortgage schemes

You can be snug in your very own home in 4 simple steps


Standard Mortgage

Right to buy

Self Employed

Tier 2 Visa

Deposit Unlock

Armed Forces Help To Buy

Shariah mortgage

Increase your affordability

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