Right to reside means you have the right to live in the UK.
To get a Gen H mortgage, you must have the right to reside and we'll ask to see documentation confirming this.
How do I know if I have the right to reside?
You have a right to reside in the UK if any of the following is true:
you’re a British citizen
you’re a citizen of Ireland
you have a residence document
How do I demonstrate that I have the right to reside?
The most common ways to demonstrate that you have the right to reside are as follows:
Stamp in your passport
Letter from the Home Office
Confirmation from gov.uk showing settled or pre-settled status
Permanent Residence Card (this needs to show 'indefinite' rights to remain (this includes 'indefinite leave to remain', 'indefinite leave to enter' or 'no time limit')
What if I've applied for the EU Settlement Scheme but it hasn't come through yet?
If you have applied for this scheme, please let your mortgage advisor know. We require that you have pre-settled status. We will ask for your government-issued letter confirming this.
If you started living in the UK before 1 January 2021, you have a right to reside if you are:
You also have the right to reside if you’re a close family member of an EU, EEA or Swiss citizen with the right to reside.
To continue living in the UK after 30 June 2021, you and your close family members can apply for the free EU Settlement Scheme.
When you do not have the right to reside
You do not have the right to reside but can stay in the UK while you have a visa or a family permit.
You can read more about right to reside here.