A Non-Standard Residency Mortgage is a type of mortgage designed for individuals whose residency status does not meet the criteria of traditional UK mortgage lending. This can include non-UK nationals, visa holders, expatriates returning to the UK, or individuals with limited or temporary residency rights. Because residency status can affect long-term affordability and legal standing, these mortgages are assessed differently from standard residential applications.

In the UK, most mainstream lenders prefer applicants with permanent residency or indefinite leave to Non-Standard Residency mortgage remain. However, borrowers with non-standard residency may still be eligible for a mortgage through specialist lenders. These lenders take a more flexible approach, assessing factors such as visa type, length of stay, employment stability, and future residency plans rather than relying solely on permanent status.

Income assessment plays an important role in non-standard residency mortgage applications. Lenders typically look for stable and verifiable income, whether earned in the UK or overseas. Applicants may be required to provide additional documentation