Скачать или смотреть 3 Things You Actually Need to Buy a House in the UK (Even Without a British Passport)

As an immigrant saving month after month to get on the property ladder, I recently discovered something surprising — you don’t need a British passport or ILR (settled status) to buy your first home in the UK.

A lot of advice online can be confusing, but after doing my research, here are the three real factors that determine your eligibility to buy property:
1. Deposit:
Aim for at least a 10% deposit. While 5% deposit schemes exist, they often come with higher interest rates.
2. Credit History:
Be consistent with your bill payments. Keep everything on direct debit and make sure your account is well-funded to avoid missed payments.
3. Source of Funds:
Lenders will review your bank statements for 3–6 months. Make sure your deposit source is traceable and legitimate — they want to see where your money comes from.

If you’ve heard other property-buying myths or know of other key factors, drop them in the comments — I’m always learning.

#PropertyUK #MortgageTips #ImmigrantFinance #PersonalFinanceUK #HomeBuyingJourney