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Can Tier 1 Investors And Entrepreneurs Invest In Property?

If you have been in the UK for some time on a Tier 1 visa, you may be wondering if you could buy a property. In this article, we examine property buying for visa holders and provide you with the means to access clear advice about exactly what your rights are.

Many banks will be willing to lend to those on a visa. But you may find that your choice of lender is somewhat limited by your circumstances. It is likely that the process will be longer for you than most customers.

Will I Pay The Market Rate?

As advertised rates are "typical" your individual circumstances are a factor in the interest rate that's offered. It is likely that you will pay more than the market rate to reflect your differing circumstances.

You will likely only have a few providers to choose from so that will also be reflected in the price that you pay. Mortgage lenders charge for convenience and your visa will be a factor in that.

What Are My Chances Of Acceptance?

It is going to depend on your financial history in the UK. Like all financial applications, mortgage applications get checked against your personal credit history. If you have gained credit in the UK in the past, then you will have started building a credit record.

If you have built up a good credit history in the UK and have had no defaults or county court judgements (CCJ's) then you should stand a very good chance of success.

What Happens If I Can't Get ILR?

It is likely that if you could not get indefinite leave to remain that you would need to sell the property and leave the country. But if you have a mortgage it may well help your ILR application as you have put down roots in the country.

There is also the possibility of keeping the property and renting it out (subject to mortgage provider's terms). If you were then to return to the UK in the future, you would still have the property.

Any Helpful Tips?

As with any credit you need to have some credit history to get more credit. Having a UK bank account for more than a few years will be helpful, as will having accounts with telephone and television companies.

Also, you should consider talking to a mortgage broker. Brokers have access to certain information that isn't available to the public and may be able to offer invaluable advice on the situation. You should consider shopping around for a mortgage in advance. Be careful to not make several mortgage applications as these go on your credit record and can affect your chances of success.

How We Can Help

If you have any issues related to your visa or are now looking to apply for indefinite leave then get in touch. Our immigration solicitors have extensive experience in the immigration space and can offer help and advice.

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As a lawyer myself I can categorically say that he knows his stuff, gentle, responsive, cares about you and not just about the money, very professional.
I mean I can go on and on!

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Cheyam Shaked

"Anna Foley was the lawyer helping my partner obtain an EEA EFM visa. She was outstanding. Handling the case with constant correspondence over a lengthy, lockdown delayed 7-month application process. Her expert advice guided us successfully through some difficult times as a result of COVID-19. Some of the best service I have received for any service ever! Often replying to emails late at night, offering to send additional correspondence to the home office and going above and beyond in handling our case! Well done and thank you Reiss Edwards and thank you Anna!!".

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"Professional service. I was very impressed with the fact that my ILR application was successful 6 weeks after the submission amidst the COVID-19 pandemic. I also think the portfolio put together by the team at Reiss Edwards has played a big part in the quick turnaround of my application".

Reiss Edwards Reviews

O.L

"Andy Tieu is absolutely amazing, as a lawyer myself I can categorically say tha...

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Kiran Sardar

"I found Joe very helpful and tremendous patience which is a must in this profes...

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Cheyam Shaked

"Anna Foley was the lawyer helping my partner obtain an EEA EFM visa. She was ou...

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Isaac .T

"Professional service. I was very impressed with the fact that my ILR applicatio...

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