Non UK Nationals

Where the Customer is a Foreign National, Generation Home will satisfy itself that the Customer is a UK resident and is entitled to live and work in the UK.

Generation Home defines UK Residency as an individual who is registered for, and pays, UK tax and has either:

UK Citizenship (UK passport holder)
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

All borrowers are required to have a minimum of 3 years address and credit history within the UK and have current active UK credit.

Where a borrower is not a UK citizen and does not meet the above requirements e.g. have not been in the UK for 3 years or where they have entered on a Visa the following criteria will be applied:

At least one customer on the application must have permanent right to reside in the UK (As defined above)
Customer’s credit profile must evidence 2 years residence in the UK.
Loan to Value (LTV) is <=80%
Application total income is >=£100,000. This is the combined income of all applicants and therefore does not need to be the income of the customer who does not have permanent right to reside.
The applicant must have one of the following Visas:
Skilled Worker (previously known as Tier 2)
Health & Care Worker
Senior or Specialist Worker
International Sportsperson
Ancestry Visa
Spousal Visa (5 or 10 route) *Where applying in joint names

Document requirements

Leave to remain in the UK and all Visa’s outlined above must be evidenced by a stamp in the Customer’s passport OR Biometric Residence Permit showing 'indefinite' rights to remain (this includes 'indefinite leave to remain', 'indefinite leave to enter' or 'no time limit').

Where an applicant has EU Settled or Pre-Settled status, Generation Home will require the applicant's immigration status online gov.uk share code. The code provided lasts for 30 days and enables us to view their immigration status.

Where any of the above documentation cannot be provided, Generation Home may require a Home Office letter to verify the applicants current residential status.

No exceptions to the above documentation are permitted