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US citizens in the UK · Institutions

Which Bath Building Society accounts accept US citizens

Last checked

Bath Building Society offers a residential mortgage to a US person, with strings.

If you already have an account with Bath Building Society, a second one there is usually the easier application, because Bath Building Society 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 and three years here, with no foreign currency income

Bath says it plainly: without indefinite leave to remain there is no mortgage, and a salary in a foreign currency is not accepted either. It wants three years of UK address history and underwrites by hand. Despite the name it lends across England, Wales, mainland Scotland, Orkney and Shetland, though not Northern Ireland.

Direct or through a broker · indefinite leave to remain, three years here, lends in Scotland

Account Terms The catch
Residential 2 year fixed
Rate
5.29%, fixed
Then
7.24% standard variable rate
Term
2 years
Max LTV
80%
Product fee
£999
Rate as of
 A five year fix at 5.34% is available on the same terms, and a 95% version of the two year fix is 5.84%.
Residential 2 year discount at 95%
Rate
4.94%, variable
Then
7.24% standard variable rate
Term
2 years
Max LTV
95%
Product fee
£999
Rate as of
 A discount of 2.30% from the standard variable rate, with a rate floor set in the loan documents. A fee free version is 5.29%.

Source: Bath Building Society residential lending criteria, 2026-08-17 Last checked Bath Building Society'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.