Банк в Великобритании запустил ипотеку для иностранцев без требования минимального срока проживания

Hanley Economic Building Society has launched two five-year shared ownership mortgage products for foreign nationals living and working in the UK, with no minimum UK residency period. The new range consists of a five-year variable discount mortgage with an initial rate of 5.85%, representing a 1.89% discount from the society’s standard variable rate, currently 7.74%, and a five-year fixed rate mortgage at 5.99%. Both products are available up to 95% loan-to-value (LTV) for purchase and remortgage purposes on a capital and interest repayment basis. Each has a £999 arrangement fee, a minimum loan of £30,000 and a maximum loan of £600,000. Applications are accepted from foreign nationals holding a Skilled Worker visa, Health and Care Worker visa or Global Talent visa. Dependant visa holders may apply as joint applicants. There is no minimum visa duration requirement, with visas verified through the Home Office Share Code service or by submitting a copy of the visa and accompanying letter. The products can be used on properties in England and Wales. Hanley Economic Building Society commercial director Samantha Ward says: “Foreign nationals can have secure employment, a reliable income and a clear ability to meet their monthly commitments, yet the length of time they have lived in the UK can dramatically reduce the number of mortgage options open to them.”