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US citizens in the UK · Institutions

Which Buckinghamshire Building Society accounts accept US citizens

Last checked

Buckinghamshire Building Society has been checked for US citizens across 3 account types. 1 is open to a US person (with strings) and 2 are closed.

If you already have an account with Buckinghamshire Building Society, a second one there is usually the easier application, because Buckinghamshire 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
Savings accounts Skip
Cash ISAs Skip
Mortgages With strings

Savings accounts

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Condition 5.1 of the general savings terms says the Society opens no account for anyone who has a foreign tax residency, even where they also hold UK tax residence. The application form asks the same thing outright: are you a citizen and tax resident of the UK only, and a no ends the application. US citizenship carries US tax residency wherever you live, so the whole range is closed, from the easy access tracker through the notice accounts to the deposit accounts it runs for pension trustees.

FSCS £120,000 · branch, post or mybbs online · UK tax residency only

Source: Buckinghamshire Building Society general savings terms and conditions, condition 5.1, and the Bucks Easy Access Tracker application form, 2026-09-07 Last checked Buckinghamshire Building Society's own page

Cash ISAs

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The cash ISA application form carries the same question as the savings range, asking whether you are a citizen and tax resident of the UK only, and states that accounts cannot be opened for anyone holding tax residency in another country. A US citizen always holds US tax residency. The wrapper would give no US relief in any case, because the IRS does not recognise it and taxes the interest as ordinary income.

FSCS £120,000 · branch, post or mybbs online · UK tax residency only

Source: Buckinghamshire Building Society Cash ISA Easy Access Tracker application form, 2026-09-07 Last checked Buckinghamshire Building Society's own page

Mortgages

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With strings

US persons: three years here on a visa, and no deposit money from outside the UK

The lending side does not screen on nationality the way the savings side screens on tax residency, and the expat buy to let criteria name the USA outright as a country an applicant may be resident in. What binds is status and where the deposit came from. With indefinite leave to remain or settled status there is no minimum time in the UK. On a work or skilled worker visa you need three years of living and working here, clean credit, and evidence that the whole deposit was saved rather than gifted. The Society also declines deposits originating outside the UK, so money carried over from the States cannot be the deposit. Nothing published says whether dollar income is accepted, so treat non-sterling pay as unsupported until an underwriter says otherwise.

Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score

Account Terms The catch
Everyday Residential up to 80% LTV 2 Year Discount
Rate
4.99%, variable
Then
7.94% standard variable rate
Term
2 years
Max LTV
80% including fees
Product fee
£999
Rate as of
 A discount of 2.95% off the 7.94% standard variable rate, with a floor of 2.50%. Loans from £50,000 to £1,000,000. No application fee. Early repayment charge of 2% in the first year and 1% in the second.
Everyday Residential up to 90% LTV 2 Year Discount
Rate
5.49%, variable
Then
7.94% standard variable rate
Term
2 years
Max LTV
90% including fees
Product fee
£999
Rate as of
 A discount of 2.45% off the 7.94% standard variable rate, with a floor of 2.50%. Loans from £50,000 to £750,000. No application fee. Early repayment charge of 2% in the first year and 1% in the second.
Everyday Residential 95% First Time Buyer Fixed Rate to 30/11/2029
Rate
5.99%, fixed
Then
7.94% standard variable rate
Term
to 30 November 2029
Max LTV
95% including fees
Product fee
None
Rate as of
 First time buyers only, a maximum of two applicants, and not available for joint borrower sole proprietor cases. Loans from £50,000 to £500,000. Family gifted deposits are accepted on this product, which the visa route separately rules out. Above 80% loan to value the Society buys higher lending insurance.
Retirement Interest Only Fixed to 30/11/2029
Rate
5.99%, fixed
Then
7.94% standard variable rate
Term
to 30 November 2029
Max LTV
60% including fees
Product fee
£499
Rate as of
 Retirement interest only, meaning you pay the interest for life and the capital is repaid when the house is sold. Loans from £25,000 to £750,000. Early repayment charge of 3%, then 2%, then 1% to 30 November 2029.
Everyday Expat Buy to Let 2 Year Discount
Rate
5.29%, variable
Then
7.94% buy to let standard variable rate
Term
2 years
Max LTV
80% including fees
Product fee
£1,195
Rate as of
 For landlords living abroad, and the acceptable countries list names the USA. A discount of 2.65% off the 7.94% buy to let standard variable rate, with a floor of 2.50%. Individual landlords with at most three mortgaged UK lets. Loans from £50,000 to £750,000. Expat buy to let sits outside Financial Conduct Authority rules, so the usual consumer protections do not apply.
Everyday Expat Holiday Let 2 Year Discount
Rate
5.39%, variable
Then
7.94% buy to let standard variable rate
Term
2 years
Max LTV
75% including fees
Product fee
£1,195
Rate as of
 A discount of 2.55% off the 7.94% buy to let standard variable rate, with a floor of 2.50%. The property must meet the HMRC furnished holiday let definition and be available to let for 140 days a year or more. Loans from £50,000 to £750,000. Outside Financial Conduct Authority rules, and closed to expats living in Europe.

Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 Last checked Buckinghamshire 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

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FBAR

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ISA US tax

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