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Human Resources

Staff Interest Free Loan Scheme

Introduction

Durham University offers an interest-free loan scheme to support international employees with the costs associated with applications for them to secure their legal right to permanently live and work in the UK (Indefinite Leave to Remain), British Citizenship, and/or the visa costs associated for their immediate dependents to secure their visas.

For the purpose of the loan, “immediate dependents” refers to the following: husband, wife, civil partner, unmarried or same sex partner and your children aged 18 or under at time of application.

Eligibility

All international staff, (including, if applicable, EEA staff) who are appointed on an open ended contract, or on a fixed term contract of employment of 2 years or more, will be eligible to make an application for a loan. Applications can be submitted following your first day of employment. If an employee has less than 12 months remaining on their contract, no loan will be available.

The loan may cover costs associated with;

  • a new visa application for immediate dependents, or
  • for a visa extension application for immediate dependents or,
  • an application for Indefinite Leave to Remain, in order to continue your role at the University (on the basis that your previous right to work was under the Tier 2 visa route), or
  • British Citizenship

If you have already paid the visa fees, you must submit your loan application within 3 months of your visa application.

The University has sole discretion to determine: (i) whether or not to grant an Interest Free Loan to an Applicant and (ii) the amount of any loan.

Applications for an Interest Free Loan can only be made by completing the Durham University Interest Free Loan Scheme Application Form.

Loan Value

You may apply for a loan to cover all or part of the fees you have paid, or are due to pay to UK Visa and Immigration.

You will be asked to specify how much you are requesting to borrow, including a breakdown of the amount to pay (in full or in part) visa fees and NHS surcharges (including for your immediate dependents, if applicable).

Please note that you must only request the amount you actually need for the payment of visa and NHS fees and the money should only be used for that purpose.

For audit purposes, you will be required to provide evidence of the actual amount paid to UKVI and should retain a copy of your UKVI payment receipt.

UKVI Fees

Information and up to date UKVI Tier 2 fee information is available here

Information and up to date fees for indefinite leave to remain can be here

Maximum Loan

The amount loaned will be capped at £10,000. This will be the total combined of all loans provided by the University for Net Pay Deductions to ensure tax exemption.

Loan Payment

The loan will be transferred into your bank account by bank transfer as a lump sum within 14 working days of your loan application receiving approval and a loan agreement being signed.

The loan will be paid in pound sterling (GBP) only.

No interest will be charged on the loan.

Repayment Method

The sum borrowed will normally be recovered through monthly deductions from your salary over a 12 month period. Depending on the amount of the loan, the repayment period can be extended to 24 months. Repayments will start in the month following the payment of the loan lump sum.

Termination of employment

In the event that you leave the University’s employment, for whatever reason, before the end of the agreed loan term, you will be required to replay the balance in full. The University reserves the right to recover the balance from your final salary payment and will seek to recoup any outstanding loan amounts from you.

To apply for the loan, please complete the application form and submit via email to hr.ukvi@durham.ac.uk

You will be notified of the outcome of your application via the email address provided on your application form prior to the loan being transferred into your account.