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US citizens in the UK · Institutions

Which April Mortgages accounts accept US citizens

Last checked

April Mortgages offers a residential mortgage to a US person, with strings.

If you already have an account with April Mortgages, a second one there is usually the easier application, because April Mortgages has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.

At a glance

Account Verdict Last checked
Mortgages With strings

Mortgages

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With strings

US persons: indefinite leave to remain, since no visa case is considered at all

A flat no for as long as you are on a visa, and April says so in its own criteria: skilled worker, investor and family visas are each marked unacceptable. Once settled status comes through, its very long fixes open on ordinary terms, and the rate steps down as the balance falls. Sterling income only.

Through a broker · indefinite leave to remain or settled status only

Account Terms The catch
15 year fixed
Rate
6.00%, fixed
Then
6.50% to 7.50% by loan to value
Term
15 years
Max LTV
100%
Product fee
£1,190 in total
Rate as of
 Rates run from 6.00% to 6.90% across the loan to value tiers. The rate steps down as your balance falls, and early repayment charges apply only on refinancing rather than on moving.
5 year fixed
Rate
5.55%, fixed
Then
6.50% to 7.50% by loan to value
Term
5 years
Max LTV
95%
Product fee
£1,190 in total
Rate as of
 Rates run from 5.55% to 6.05% across the tiers.

Source: April Mortgages broker criteria, 2026-08-17 Last checked April Mortgages's own page

Account names link to the provider's own site. momo has no active affiliate partnerships; if that changes it will be disclosed and will never change a verdict. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.