Do I need to have lived in the UK for a certain amount of time before I can apply for finance?

To be eligible for finance, you need to have indefinite leave to enter or remain in the UK, or a visa that falls under certain categories such as the EU Settlement Scheme, Family Visa, Skilled Worker Visa, etc. Your visa must have at least 12 months left before expiry when you provide proof for your application.

If you’re British and Irish dual citizens, this rule doesn’t apply to you.

Regarding residency, whether you’re applying as an individual or a director of a company, you must have been living in the UK continuously for at least 2 years before applying for buy-to-let financing.