Can I get a mortgage if I’m an EU citizen?

Yes, you can get a mortgage in the UK if you’re an EU citizen, assuming you manage to meet certain criteria. You’ll need:

  • A UK bank account
  • A Permanent job in the UK
  • Traceable credit history in the UK
  • Proof of living in the UK for at least three years
  • · Proof you have the right to work in the UK

If you want to buy property in the UK but don’t have time to build up your credit score, you could get a mortgage even though you have bad credit as an EU citizen – but you may need a sizeable deposit.