momo
US citizens in the UK · Institutions

Which Bluestone Mortgages accounts accept US citizens

Last checked

Bluestone Mortgages offers a residential mortgage to a US person.

If you already have an account with Bluestone Mortgages, a second one there is usually the easier application, because Bluestone 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 Opens

Mortgages

Compare with other providers
Opens

The best answer here for a thin UK credit file, because Bluestone does not credit score at all and judges each case on its own circumstances. It takes a skilled worker or health and care visa after one year in the UK with six months left to run, and steps the loan to value up as you serve time: 80% at one year, 85% at two, 90% at three. It says nothing about foreign currency income, so confirm dollar pay before relying on it.

Through a broker · skilled worker visa after one year here, no credit scoring

Account Terms The catch
Clear 2 year fixed
Rate
6.64%, fixed
Then
7.55% Bluestone variable rate
Term
2 years
Max LTV
80%
Product fee
£1,495
Rate as of
 80% is the ceiling for a visa holder with one year here. Maximum loan £1,000,000, term 5 to 40 years, capital and interest only.
Clear 5 year fixed at 90%
Rate
7.14%, fixed
Then
7.85% Bluestone variable rate
Term
5 years
Max LTV
90%
Product fee
£1,495
Rate as of
 Reaching 90% needs three years of UK residency on the visa route, and caps the loan at £400,000.

Source: Bluestone residential product guide, July 2026, read 2026-08-17 Last checked Bluestone 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.