Ancestry Visa Mortgage

Ancestry Visa Mortgage – If you live and work in the United Kingdom under the privilege of an Ancestry Visa then it may be difficult for you to obtain a mortgage. This is mainly because your immigration status is not indefinite leave to remain in the United Kingdom. In other words, you or your partner may not have permanent residency in the UK.

Getting a Mortgage is not impossible but it might help you to get a Mortgage Broker on your side who knows this specialist field quite well.

Mortgage Lenders

Most mortgage lenders require each applicant to have permanent residency status in the UK before they lend on property. There are a small handful of lenders who’s lending criteria allows loans to be granted to people with Ancestry Visa Mortgage Mortgage GuardianAncestry Visas. This is where I come in handy as your specialist mortgage broker.

I understand the market very well. I also know which lenders will lend to applicants who have an Ancestry Visa. It also helps that I have submitted many mortgage applications because underwriters can make it difficult. This is where experience comes in! This enables you to get a UK Ancestry Visa Mortgage. Whilst it is not Hobson’s choice by any means, I will be able to get you the best overall deal from the lenders available who offer British Ancestry Visa Mortgages. I am also checking lending criteria on a regular basis to make sure you fit criteria before going too far down the process with one particular lender.

Not all  mortgage lenders have branches on the high street. There can be nothing worse that trawling up and down the high street making appointments with several mortgage advisers only to draw a blank. I am a “whole of market” mortgage adviser which means that I have access to the whole of the mortgage market. This includes access to Ancestry Visa Mortgages from several lenders. It can save you a lot frustration, disappointment and leg work and the fees involved are reasonable.

What is an Ancestry Visa?

So, what is an Ancestry Visa? Until the United Kingdom joined the European Economic Community (EEC) in 1973, citizens from the Commonwealth could move in and out of the country quite freely. After joining the EEC immigration laws changed and the Ancestry Visa was introduced. This allowed people entry clearance into the UK who still held close relations with Great Britain. A UK entry clearance is provided to commonwealth citizens who have a grandparent born in the UK, Channel Islands or isle of Man.

Ancestry Visa Mortgage Mortgage GuardianAn Ancestry Visa allows a qualifying commonwealth citizen to freely enter the United Kingdom. This allows the visa holder to live and gain employment for a period of 5 years. After the 5 year period expires the qualifying commonwealth citizen has two options.

  • They can apply for permanent residency in the UK
  • Another 5 year visa can be obtained.

Being accepted for a mortgage once you have permanent residency status is much more straightforward. The downside could mean that house prices rise above affordability whilst you are waiting. Buying a house with a mortgage that caters for people with an Ancestry Visa is an attractive option. This is because mortgage rates are fairly competitive at the moment because of the low base rate.

Joint Mortgages

If you are a UK Citizen taking out a joint mortgage with someone who is in the UK with an Ancestry Visa you will still need to find a lender prepared to lend to an applicant with an Ancestry Visa. Your UK Citizenship does not magically open up doors. First time buyers are welcome to apply for an Ancestry Visa Mortgage.

If your Ancestry Visa is heading towards expiry we still can probably place the mortgage.

If you are:

  • Originating from a Commonwealth country
  • Hold an Ancestry Visa
  • Live and work in the UK,
  • Have an income,

then you may be able to get a UK ancestry visa mortgage to buy a property in the UK.

Australians, New Zealanders, South Africans and Canadians hold the majority of Ancestry Visa mortgage applications buying property in the United Kingdom.

For a list of commonwealth countries please click here…..

Ancestry Visa Mortgage

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Mortgage Guardian

0115 714 1988



Watch on YouTube: Getting a Mortgage with an ancestry Visa | Mortgage Guardian

A short explanation about Mortgages for people who are in the United Kingdom on an Ancestry Visa.

See our case study about Mrs Wilson, an Australian living and working in the UK on an Ancestry Visa looking to buy a house with the help of a mortgage.

You can also see what our expert has to say about Ancestry Visa Mortgages.

Additional Information

Also, if you still require more information about Ancestry Visa Mortgages and the process then please visit our other website:

This page also covers:

  • Ancestral Visa Mortgages
  • UK Ancestry Visa Mortgage
  • British Ancestry Visa Mortgage