Can I buy a property on a Skilled Worker visa?

Yes. There are no immigration restrictions on buying property in the UK. Anyone, regardless of visa type or nationality, can purchase residential or commercial property. The challenge is typically getting a mortgage, not the legal right to buy.

Can I get a mortgage on a Skilled Worker visa?

Yes, but it may be more difficult than for permanent residents. Some lenders are reluctant to offer mortgages to those on temporary visas. Specialist lenders and brokers who understand immigration status can help. Having a large deposit and stable income improves your chances.

Do I pay extra stamp duty as a non-UK resident?

If you are not a UK resident for tax purposes, you pay a 2% surcharge on top of the standard stamp duty rates. However, if you are living and working in the UK on a Skilled Worker visa and have been resident for tax purposes, you may not need to pay the surcharge.

What happens to my property if I leave the UK?

You retain ownership of the property regardless of your visa status. If you leave the UK, you can sell the property, rent it out, or keep it. Rental income would be subject to UK tax, and non-resident landlords have specific tax reporting requirements.

Buying Property on a Skilled Worker Visa: UK Guide 2026

There are no legal restrictions on Skilled Worker visa holders buying UK property. The main challenge is obtaining a mortgage, as some lenders prefer applicants with permanent status. Specialist brokers can help, and a larger deposit improves your options.

Your Right to Buy

UK law does not restrict property ownership based on nationality or immigration status. Whether you hold a Skilled Worker visa, a Spouse visa, or ILR, you can buy property. See our general guide on buying property as a visa holder for broader context.

Getting a Mortgage

The main challenge for Skilled Worker visa holders is obtaining a mortgage. Key factors lenders consider:

Visa length remaining: Lenders prefer applicants with at least 2-3 years remaining on their visa.
Path to settlement: Showing that you are on a route to ILR reassures lenders about long-term repayment.
Deposit size: A larger deposit (15-25% or more) significantly improves your options.
Income stability: A stable, well-paying job with a reputable employer helps.
Credit history: Build a UK credit history by using a credit card responsibly and paying bills on time.

Some high-street banks lend to visa holders while others do not. Specialist mortgage brokers who work with international clients can identify suitable lenders. See also mortgages after ILR for how things improve after settlement.

Stamp Duty

Stamp Duty Land Tax (SDLT) applies to all property purchases in England and Northern Ireland. The standard rates apply based on the purchase price. A 2% surcharge applies to non-UK residents. However, if you have been UK-resident for tax purposes for the 12 months before purchase, you are generally not considered a non-resident for this purpose.

If you pay the surcharge and later become UK-resident, you can apply for a refund within a specific timeframe. Check the GOV.UK stamp duty calculator for current rates.

Practical Considerations

Visa expiry: If your visa expires or you need to leave the UK, you still own the property. You can sell, rent, or hold it.
Rental income: If you rent out the property, self-assessment tax returns apply.
Legal fees: Budget for solicitor fees (1,000-2,000 pounds), surveys, and other purchase costs.
Insurance: Buildings and contents insurance is required by most mortgage lenders.

When to Buy

Some visa holders choose to wait until they have ILR before buying, as mortgage options improve and the non-resident stamp duty surcharge definitely does not apply. Others prefer to buy earlier to get on the property ladder. There is no right answer: it depends on your financial situation, visa timeline, and personal preferences.

Next Steps

Speak to a specialist mortgage broker to understand your options. Start building your credit history and saving for a deposit. Research areas where you might want to buy.

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