No Indefinite Leave Mortgages

The UK is a cosmopolitan society with people coming to work and settle here from all corners of the globe. Banks have recently, since Brexit, tightened criteria and the majority now lend to only those who have British nationality or permanent rights to reside. For those on visa’s who do not yet have indefinite leave to remain may find it difficult to secure a mortgage unless they have a 25% deposit. We can help with just 10%

Mortgages up to 90% LTV
Easy application process
No need for Indefinite leave to remain
Competitive rates

Minimum term remaining on Visa applies

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    If you are in the UK on a visa and do not yet have indefinite leave to remain ( but plan to remain in the UK ) then we can assist in securing a mortgage for you.

    Providing you have been in the country for a while and have a credit file, good job and a minimum deposit of 10% we can secure a mortgage for you subject to underwriting.

    Having a 25% deposit opens up more doors but not necessarily better rates.

    Why choose us?

    Here are a few reasons to choose Chess Mortgages as your mortgage broker for your first time buyer mortgage.

    Experienced advisers

    We’ve been advising clients on mortgages for over 40 years.

    We move fast

    No need to wait; we respond & process applications quickly.

    Whole of market

    We scour UK lenders, private banks & offshore lenders for deals.

    What you need to know...

    I have only been in the UK for 6 months – can I buy a property?

    In theory yes subject to credit score and the type of job/employer you have. Your deposit size will play a big part in the process.

    If I buy a property and end up not staying in the UK can I keep my property?

    Yes – with the lenders permission you can let out your property or switch the mortgage to an interest only Buy to Let property. This will be subject to financial underwriting and is not guaranteed.

    Is a spouse Visa acceptable?

    Yes – we can work off a spouse visa and use the spouse income.

    What our clients say...

    "Excellent service and I would highly recommend to others"

    Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

    Shaida Hussein

    "Award winning mortgage advisors & I can see why"

    Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

    Iftikhar Ahmad

    "Chess was by far the best decision we made in looking for a mortgage"

    I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

    Shamit Rooproy

    Get in touch

    Speak to an adviser today via a free, no obligation consultation.