West Brom Building Society has launched a new mortgage range designed to support foreign nationals living and working in the UK.
It follows a pilot programme carried out in 2025 that helped the Society better understand the challenges of lending in this area, the needs of foreign national customers and how its proposition could evolve to better support them.
The new range is available to first-time buyers and home movers and has been developed to provide greater access to homeownership for customers who may face barriers when applying for a mortgage despite having established lives and careers in the UK.
The range launches with a two-year fixed rate at 5.34% up to 80% LTV, a two-year fixed rate at 5.45% up to 90% LTV, and a five-year fixed rate at 5.40% up to 80% LTV, all with no fees.
The new range also includes a shared ownership product, with a fee-free two-year fixed rate at 5.52% up to 95% LTV.
Under the new criteria, the West Brom will accept applications for up to 90% LTV from customers holding skilled worker (Tier 2) visas, health and care worker visas, and those with pre-settled status, subject to a minimum three-year UK address history.
Applications from customers on spousal visas will also be considered up to 90% LTV where they have a minimum three-year UK address history and are supported by another applicant who’d be eligible to apply in their own right, such as a UK national or someone with indefinite leave to remain.
Dependent visa holders may also be accepted up to 90% LTV where they have a minimum three-year UK address history and are applying alongside a customer on a skilled worker visa.
John Phillips, senior product manager at West Brom Building Society, said: “At the West Brom, we believe that people who’ve chosen to build their lives and careers in the UK should have a fair opportunity to buy a home. Through our pilot programme, we listened carefully to the experiences of foreign national customers and the brokers who support them, helping us better understand the challenges they can face when accessing mortgage finance.
“The result is a dedicated range that reflects the reality of modern homeownership and supports customers who may previously have found their options limited. We know that every customer’s circumstances are different, which is why we’ve developed a proposition that combines competitive lending with common-sense lending criteria.
“As a mutual, our focus is on helping more people achieve their homeownership ambitions. This launch is another step forward in ensuring we’re meeting the needs of the communities we serve, while giving brokers greater confidence when placing cases for foreign national applicants.”
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