UK Mortgage With Indefinite Leave To Remain

"I'm a Specialist Mortgage Advisor who can help your property dreams come true."

Ross McMillan

Blue Fish Mortgage Solutions

As a former estate agent of almost 15 years, I now use my vast experience, insider knowledge and access to dozens of lenders to help people like you:

Get in touch for a no-obligation chat about how I might be able to help you.


Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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If you are a UK resident with indefinite leave to remain, or ILR, getting a mortgage can be an important next step in building your life in the UK. However, there are several factors you need to consider when applying for a mortgage with ILR, including documentation requirements, lender evaluation criteria, and potential pitfalls that may affect your application.

To help you navigate the process of applying for a UK mortgage with ILR, this post will outline key considerations and tips to help you prepare for your application. Whether you are just starting the process or are nearing completion, we hope that our advice can help you achieve success in securing a mortgage with ILR. So, read on to learn more!

What is indefinite leave to remain, or ILR, in the UK?

ILR is granted after an initial period of leave in the UK, typically 5 years for settlement visa holders. Mortgage companies assess affordability when considering an application for a mortgage from someone with indefinite leave to remain in the same way as for a settled person.

They will take into account your salary and any other income, your outgoings, and how much deposit you have available. If you have been self-employed, they will usually ask to see at least 2 years’ worth of accounts. Most banks and building societies offer mortgages to foreign nationals with indefinite leave to remain however a mortgage broker will be able to help you find a suitable lender.

How does having Indefinite Leave to Remain affect your ability to get a UK mortgage?

ILR status indicates that an individual is allowed to live and work in the UK on a long-term basis, and it is generally granted after an individual has lived in the UK for a certain number of years.

Mortgage lenders view applicants with ILR status as being more likely to repay their mortgage debt, since they are more likely to have a stable income and employment situation. Therefore, individuals without indefinite leave to remain may find it more difficult to obtain a mortgage in the UK. However, there are some lenders who may consider applications from individuals without ILR on a case-by-case basis.

While the process may take a little longer than for applicants with a UK passport, it is certainly possible to obtain a mortgage with ILR status. as long as the necessary documentation is in order.

What do you need to consider when applying for a mortgage with Indefinite Leave to Remain, and what kind of documentation will be required?

If you are applying for a mortgage with indefinite leave to remain (ILR), there are a few things you need to consider.

Firstly, you will need to provide proof of your ILR status. This can be in the form of a valid passport or travel document that shows your ILR stamp.

Secondly, you will need to provide evidence of your income and employment status. This will usually be in the form of payslips, tax returns or other financial documentation. You will ideally need to have a good credit history in order to be eligible for a mortgage with ILR and additionally, you should have a minimum deposit of at least 5% of the purchase price of the property. The documentation required for a mortgage with ILR can also vary depending on the lender, so it is important to speak with a mortgage broker such as myself to determine what is required for your individual circumstances.

Speak to an expert!

 Contact me, Ross McMillan, the owner of Blue Fish Mortgage Solutions today for expert advice and guidance on your unique mortgage and property needs. I will work with you one-on-one to help you find the right solution for your specific needs. With my expertise and industry connections, you can rest assured that you are in good hands when it comes to securing the financing you need for your property. 

How can you prepare for the process of applying for a mortgage with ILR, and what steps should you take to ensure a smooth application and approval?

Approvals for a foreign national mortgage with Indefinite Leave to Remain can sometimes be difficult to obtain, but there are a few steps you can take to increase your chances of success.

First, it’s important to have a good credit score; lenders will closely assess your credit report as part of the application process. If you have any outstanding debt or in particular any level of arrears against your credit profile, it may be wise try to pay it off before you apply for a mortgage.

Second, be sure to have all of your documentation in order. Mortgage lenders will require proof of income, employment, and residency. Be prepared to provide bank statements, payslips and if self employed tax returns as a minimum.

Finally, work with a mortgage broker like me who is experienced in helping people with ILR obtain financing. By taking these steps, you can give yourself a better chance of getting approved for a mortgage.

What are some common pitfalls to watch out for when applying for a UK mortgage with Indefinite Leave to Remain , and how can you avoid them?

Mortgage applications can be complicated, and there are a number of common pitfalls that borrowers with indefinite leave to remain (ILR) in the UK may face.

One of the most common problems is that applicants do not have a clear understanding of their credit history. This can lead to delays in getting approved for a mortgage with indefinite leave to remain, or even being denied entirely. It’s important to obtain a copy of your credit report and score before you begin the mortgage application process, so that you can identify any potential issues.

Another common issue is failing to provide all of the required documentation. Mortgage lenders will typically require proof of income, employment history, and other financial documents. If you’re missing any of these items, it could delay your application or result in a rejection.

Not accurately estimating the amount of time required to obtain ILR status can also prove problematic. Mortgage lenders typically require borrowers to have lived in the UK for at least 12 months before they will consider them for a loan, so it’s important to make sure that your application is submitted well in advance of this deadline.

Finally, it’s important to be realistic about your budget. Mortgage payments can be expensive, and if you’re not careful, you could end up in financial difficulty. Before applying for a mortgage, make sure you can comfortably afford the monthly payments. By avoiding these common pitfalls, you’ll increase your chances of being approved for a UK mortgage with ILR status.


Applying for a mortgage with indefinite leave to remain in the UK can be challenging, but with the right preparation and planning, it is possible to successfully navigate the application process. Some key steps to consider include ensuring a good credit score, providing all required documentation, working with an experienced mortgage broker, and being realistic about your budget.

Looking for expert guidance and support in applying for a UK mortgage with or without Indefinite Leave to Remain? Contact Blue Fish Mortgage Solutions today to learn more and get started on your application.

What are the key stages of the property buying process in Scotland:

  1. Speak to mortgage advisor to establish and get advice on what a realistic budget for your individual circumstance might be.
  2. Mortgage advisor may then progress to obtain an agreement/decision in principle to give you some confidence – not a guarantee – that you could obtain a mortgage. (aka an AIP/DIP)
  3. Start viewings and then identify property you would like to offer on.
  4. Instruct solicitor to make offer. (once you’ve done sums and consulted with your mortgage advisor to double check/firm up on figures etc)
  5. Once offer accepted, we then look to progress the agreement in principle (AIP) to a full mortgage application.
  6. Legal conveyancing between both solicitors commences.
  7. Once mortgage offer received, solicitor could be in a position to confirm the legal bargain (aka conclude missives) which would include a definitive date of entry/settlement date.
  8. For the date of entry, the monies required from you (i.e. deposit) need to be in your solicitors bank account and cleared.
  9. Solicitor draws down/receives funds from mortgage lender to complete the purchase.
  10. On the date of entry get keys for your new house.🥳 😊

Hopefully the above information has been useful but if you have any other questions or are ready to start your own property journey now, please fill in the enquiry form and we will get in touch!

This article is intended to be a generic overview and each individual situation will need to be considered carefully, with the final decision being down to the lender.

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