Gen H defines UK Residency as an individual who is registered for and pays UK tax and has either:
EU settled or pre-settled status
Indefinite Leave to Remain
UK Spousal (5 or 10 year route) *Where applying in joint names and at least one borrower on the application has permanent right to reside in the UK.
Foreign Nationals are required to have a minimum of 3 years of address and credit history within the UK and have current active UK credit.
What if I’ve been living in the UK for less than 3 years or in the UK on a different visa than listed above?
We may consider the following Visa’s where the following criteria is met:
Our appropriate Visa’s are:
Skilled Worker (previously known as Tier 2)
Health & Care Worker
Senior or Specialist Worker
Spousal Visa (5 or 10 route) *Where applying in joint names
Our criteria is: -
At least one borrower on the application must have permanent right to reside in the UK
Your credit profile (credit search information) must show a minimum of 2 years residency in the UK
The Loan to Value (LTV) on your application is no more than 80%
The total income on the application must equal or be more than £100.000
Gen H will require government issued documentation to evidence your VISA and/or residential status.
If you have any other questions, please reach out to us via email or live chat.