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Home / Business Immigration

 Tier 2 mortgage

If you're on a Tier 2 visa, you may think that buying a property is impossible, but do not fret, while your options are few, there is a set of lenders who may be able to help you. In this article we look at some common questions related to mortgages for Tier 2 visa holders and offer some tips for those in the market.

How realistic is getting a mortgage on a Tier 2 visa?

While certainly not straightforward, it is possible to get a mortgage on a Tier 2 visa. You will need to do some digging to find lenders who are willing to take on those with a Tier 2 visa.

I don't have much of a credit history am I likely to get a mortgage?

Every situation is different, as is every lender’s criteria. While some will not be willing to help, you may be surprised by the amount that will be. In the end lenders make considerable sums over the life of a mortgage so it is important that they sell as many as possible. You can also work to improve your credit history with websites such as Clearscore, who offer free services to help improve your credit.

I don't have much of a deposit, what are my options?

With options such as Shared Ownership and Help to Buy, the government has tried to assist those with smaller deposits. Help to Buy offers a government backed equity loan to help access mortgage deals that would normally only be open to those with a higher deposit. House prices in the UK are among the highest in the World and this means that even those on median incomes can struggle to join the ladder. It is well worth investigating the government’s options as they may well be perfect for you.

But I thought I wouldn't be eligible for Help to Buy or Shared Ownership.

While not common, it is not in the terms of either scheme that you cannot be on a Tier 2 visa. It is well worth speaking to the lenders who run the schemes to see if they can help your situation. Several high street banks and building societies take part in both of these schemes and they are an excellent option for those looking to get on the housing ladder.

Who should I turn to for mortgage advice?

Mortgage brokers are well worth the small fee that they charge for their services. With inside knowledge of the market, brokers have access to useful information that can help find the right deal for you and your situation. We would always suggest that you speak to professionals in the field who can help.

How we can help

With years of experience our specialist immigration solicitors have a unique understanding of visas and immigration. If you have any questions relating to this then please get in touch and speak to us today.

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Investing over 2 million pounds is defintely not a routine decision. We had to make sure that the Tier 1 investor immigration lawyers london that we would be picking has to be one of the best within the Tier 1 investor category. We contacted Reiss Edwards and they were able to get us not only the Tier 1 investor visa but also suggested profitable investment portfolios in addition to what we already had in mind.
The Home Office refused my Tier 1 Entrepreneur extension application. This meant that my family and i would have to go back to Jordan and my business would close down. I needed a good immigration lawyer to put in a very strong appeal. I approached Reiss Edwards based on a friend's recommendation and they put together a very strong appeal. I read the grounds of appeal and I knew that this was a winner. A big thanks to Joe who worked tireless on my appeal.
I am glad that i instructed Reiss Edwards on my visa matter.

It started with a 20 minutes free immigration advice. I met with Amar to discuss my ILR refusal. He gave me a great deal of quality advice and decided to take on my messy case. I had doubts on the merits of my case by he was relatively convinced he could win it. That made me quite secure.

To be honest, things did not start as quick as I would have wanted, but they kept on communicating the process and state of things to me

A big thank you to Verusha and Foram. They were also very helpful. Brilliant and informative.

Their fee was fair and reasonable, especially if you compare them to other law firms and immigration law firms in London; some of whom even told me that i would not be able to get an indefinte leave to remain in this country.

The process was long but was worth it. In the end, a big thank you to Reiss Edwards.
I have just had British Citizenship application approved. Prior to making the application, i was not sure which law firm i should hire to facilitate the paperwork. After a few hours of research, i decided to go with Reiss Edwards and i must confess that i wasnt disappointed.

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Fantastic Solicitors!!!

My wife's spouse visa extension application was refused by the Home Office and they gave her 14 days to leave the country. We contacted Reiss Edwards and they said "OK don't worry we will sort this out". They put together the list of documents for me to obtain and they prepared a bundle which was as thick as the printer it came out from.

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The team of lawyers at Reiss Edwards are very professional and friendly people. Their experience in and around UK immigration law is quite extensive; be sure that you application is in safe and competent hands. My immigration matter was an indefinite leave to remain application based on Tier 1 on a self-employment basis. The immigration lawyers at Reiss Edwards made sure that the application was perfect and ready to be accepted. I got a positive decision and I recommend them highly for anyone who needs a UK immigration help.
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I used Reiss Edwards for my Tier 2 visa application and it was successful. The team was ever present and happy to answer my question.

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My Tier 1 Investor Visa was dealt with quickly and without issue. Would recommend Reiss Edwards as an Immigration law firm in London. Thank you to the team.
I contacted Reiss Edwards to help me with my wife’s UK settlement visa. They acted with utmost professionalism throughout the entire application. I spoke with Joe Dinh, he is an immigration solicitor and he is one of the best solicitors out there. He ensured that there was little to no room for error. At some point I thought he was over cautious. He remained calmed and continued to assure us on our immigration matter. Most people in his position would have panicked but he was calmed and continued to assure us. We received out positive outcome very quickly.

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I have been using Reiss Edwards for three years now for my family's immigration application. Both for my initial application and extension. They are really affordable. The team of solicitors at this firm are probably one of the most efficient and economical in terms of cost. They offered free advice over the phone and spent good time with us before inviting us for consultation.

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Reiss Edwards is a top notch immigration service company. The way they handled our documentation and also the list of documents they sent was efficient and top quality. They helped us professionally throughout the process. We are very happy with the immigration advice we received from the team. We highly recommend them.

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I used Reiss Edwards’ immigration lawyers to assist with my immigration matter and that of my family. It was an EX1 application. They dealt with the matter properly and even when complications were coming up from the Home Office, they helped resolve the issue properly. They are very professional and are very popular in London. I am happy to have worked with them.

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It's a shame that you dont have an 'Excellent' star rating on here, as my experience with Reiss Edwards is nothing short of an excellent rating. They handled my application for an Indefinite Leave to remain in April 2014 and did my husband's one very recently including my daughter. Every time i have approached them, they have continued to treat me with courtesy, respect and patience. Amar was indeed a very thorough and professional gentleman. He is very knowledgeable, corporative and engaging. He responded to my emails, calls and enquiries promptly. He was always reassuring. I could not have asked for a better Immigration service.

I would recommend them over and over again for anyone looking for an immigration advice.

They gave me a free immigration advice when i called them, and the quality of the advice was something other charge thousands for. If you need a particular, name, Amar would be it. He exemplifies, for me, the true, professional gentleman. He is a valuable asset to Reiss Edwards.

Kind regards
Nancy Jacquard


 
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