West Brom Building Society has launched a new mortgage range for foreign nationals living and working in the UK into homeownership.
The new range, which follows a pilot programme carried out in 2025, is available to first-time buyers and home movers.
The range launches with a fee-free two-year fixed rate at 5.34% up to 80% loan-to-value (LTV), a fee-free two-year fixed rate at 5.45% up to 90% LTV and a fee-free five-year fixed rate at 5.40% up to 80% LTV.
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 would 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.
West Brom Building Society senior product manager John Phillips says: “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.”