Bluestone Mortgages enhances mortgage offering to support Skilled Overseas Workers

Shawbrook Retail Mortgages announces enhancements to Bluestone Mortgages propositions, aimed at providing more options and improved accessibility for a wider range of borrowers. Bluestone has updated its lending criteria to include non-UK nationals who have yet to obtain Indefinite Leave to Remain but have demonstrated long-term stability through residency and employment in the UK

Related topics:  Specialist lending,  Product Launch
Editor | Modern Lender
6th August 2025
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Shawbrook Retail Mortgages announces enhancements to Bluestone Mortgages propositions, aimed at providing more options and improved accessibility for a wider range of borrowers. Bluestone has updated its lending criteria to include non-UK nationals who have yet to obtain Indefinite Leave to Remain but have demonstrated long-term stability through residency and employment in the UK.

Effective immediately, applicants working in the UK on a Skilled Worker or Health & Care Visa may now qualify for residential mortgages with up to 90% loan-to-value (LTV), subject to the following criteria:

  • At least 12 months of UK residency
  • A valid UK work visa with a minimum of 6 months remaining
  • A minimum gross annual income of £50,000


This development follows similar changes made earlier this month by The Mortgage Lender (TML), highlighting a shift toward more inclusive lending practices for skilled international workers across Shawbrook Retail Mortgages. 

Steve Griffiths, Commercial Director for Retail Mortgages at Shawbrook, commented: “We’re committed to evolving our criteria in ways that reflect the real lives of today’s borrowers, including those who are contributing to the UK economy but can face unnecessary obstacles to homeownership. These updates help to open the door to customers who are building their futures in the UK and contributing to key sectors of the economy yet often face limited mortgage options. It’s about recognising financial stability in a broader context and giving brokers greater flexibility to serve a wider client base.”

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