Case Study: Tier 2 Visa Dentist Buys £1.3m Home with 15% Deposit
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Overview
Our client, a dentist working in the UK on a Tier 2 visa, was ready to buy their first property: a £1.3m family home in the suburbs. With a 15% deposit, strong income, and a solid employment record, the main challenge was finding a lender who would accept their visa status — and managing the process for a very time-poor professional.
The Challenge
The client’s key hurdles included:
Visa status: Many lenders restrict borrowing or require larger deposits for Tier 2 visa holders.
High property value: At £1.3m, not every lender would stretch to 85% loan-to-value.
Time constraints: As a busy dentist, the client had very limited capacity to deal with the complex mortgage process.
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Our Solution
We used our knowledge of lender policies for high-earning professionals on Tier 2 visas to:
Identify a lender comfortable with Tier 2 visa applicants and 85% loan-to-value on higher-value purchases.
Secure a £1.1m mortgage based on their strong income and employment history.
Manage the process from start to finish, minimising the client’s involvement so they could stay focused on their demanding schedule.
Provide clear, concise updates to ensure the client always felt in control without being burdened by unnecessary details.
The Outcome
The client successfully purchased their £1.3m home with a 15% deposit, securing a competitive rate despite their visa status. By handling the process for them, we made their first UK property purchase as simple and stress-free as possible.
What Our Clients Say
What We Can Do for You
If you’re on a Tier 2 visa and buying a home in the UK, we can help you access competitive lending — even at higher property values — and manage the process for you so you can focus on what you do best.
Request your fee free mortgage consultation today. No obligation, just sound advice.
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APPROVED BY THE OPENWORK PARTNERSHIP ON 12/08/2025