Residential mortgages and remortgages for Nigerian nationals

A residential mortgage for a Nigerian national is a loan to buy or refinance a home the borrower will live in, regulated by the Financial Conduct Authority (FCA). Lenders assess visa status, UK residency history, income and deposit in the same affordability framework used for all UK borrowers, but each lender sets its own rules on which visas it accepts.

Remortgaging is also available to Nigerian nationals who already own UK property, whether to secure a new rate at the end of a fixed period or to raise capital. Applicants whose status has improved since the original mortgage, for example, moving from a Skilled Worker visa to Indefinite Leave to Remain (ILR), often unlock a wider choice of lenders at remortgage.

We work with lenders who take a proportionate view of visa-based applications, provided the correct evidence is available. Our panel includes lenders who will consider:

• Applicants on Skilled Worker and Health and Care Worker visas
• Remortgages where the original loan was arranged before ILR was granted
• Income or deposit funds originating in Nigeria, with full documentation
• Joint applications where one applicant is a British citizen
• Applicants with a limited UK credit history

If you’re trying to get a residential mortgage or remortgage as a Nigerian national, speak to us first. We’ll identify which lenders are most likely to proceed and what evidence will strengthen the application before you apply.