Skilled Worker / Family / H&C vizasida ipoteka — kim va qancha beradi
Yangilangan 27-may 2026
HSBC 85% LTV gacha (12 oy UK + £75k daromad), Nationwide 85% LTV (£50k yolg'iz / £75k er-xotin), Halifax 95% LTV gacha, Hodge 90% LTV (minimal daromad va viza muddati yoʼq). NatWest PRRsiz 75% cap. Muhim: Santander 2026-yil maydan Rossiya / Ukraina / Qirgʼiziston pullarini bloklaydi.
Skilled Worker, Health & Care va Family vizasida ham mainstream, ham mutaxassis banklar mavjud. Asosiy talablar: 12+ oy UK, £40-75k+ hujjatlashtirilgan daromad, manbasi tasdiqlangan 10-25% depozit.
01 HSBC — Xorijiy fuqarolar mahsuloti
- Max LTV: 85%
- Talablar: 12 oy UK yoki £75,000 yolg'iz / £100,000 er-xotin daromad
- Skilled Worker, H&C, turmush oʼrtogʼi qabul qilinadi
02 Nationwide — Non-ILR mahsulot
- Max LTV: 85%
- Minimal daromad: £50,000 yolg'iz / £75,000 er-xotin
- 12 oy qolgan viza
- Birinchi marta uy oluvchilar uchun Helping Hand: 6x daromad
03 Halifax — Mortgage Guarantee Scheme orqali
- Max LTV: 95% gacha
- LTI: 4.49x–5.5x (daromad bandlariga qarab)
04 Hodge — cheklovsiz mutaxassis bank
- Max LTV: 90%
- 2 yil UK yashash
- Minimal daromad yoʼq
- 2025-yil fevraldan minimal qolgan viza muddati yoʼq
- Skilled Worker, H&C, Spousal, Global Talent uchun
05 NatWest — PRRsiz 75% LTV cap
- PRRsiz: max 75% LTV, minimal 6 oy qolgan viza
- UK PRR hamkori bilan birgalikda: 95% LTV gacha
06 Mutaxassis yoʼllar
- Kensington: 2 yil UK + £75k+ daromad + 2 yil viza → 70% LTV
- Skipton: barcha viza, 90% LTV, £40k yolg'iz
07 H&C Worker daromad farqi
Aksariyat banklar £50,000+ daromad talab qiladi. H&C Worker koʼpincha £25-31k oladi — bu chegara ostida. Yechim: Hodge (minimal daromad yoʼq) yoki er-xotin birgalikda £75,000 yig'ish.
08 Tayyorlik — 5 qadam
- 12+ oy UK manzili + 2 yil ish tajribasi
- 10-25% depozit + hujjatlashtirilgan manba
- Broker bilan dastlabki maslahat
- Bepul kredit hisobotlari × 3
- Uy izlashdan oldin Mortgage in Principle (MIP) olish
Umumiy maʼlumot, moliyaviy maslahat emas. Doimo FCA-litsenziyali broker orqali tekshiring.