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Visa Mortgage

Visa Mortgage

Portrait of Justin Whitelock, founder of Mortgage London, standing in a park

By Justin Whitelock

Founder of Mortgage London (a trading style of City Finance Brokers Limited, authorised and regulated by the Financial Conduct Authority, FCA No. 766295)

A mortgage assessed for applicants whose right to remain in the UK is based on a visa rather than indefinite leave or settled status.

Related glossary terms

Agreement in Principle (AIP)

An early lender indication of potential borrowing capacity based on basic financial information, serving as preliminary approval rather than formal commitment.

Withholding Tax

Tax deducted at source from a payment by the payer and passed to HMRC, applying to certain overseas income payments.

Fact Find

The structured information-gathering stage at which a mortgage adviser collects details about a client’s circumstances, objectives, and needs to support advice.

Leasehold

Owning a property for a fixed term under a lease rather than owning the land outright forever, with associated obligations.