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US citizens in the UK · Institutions

Which Family Building Society accounts accept US citizens

Last checked

Family Building Society has been checked for US citizens across 2 account types. Both are open to a US person (1 with strings).

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

At a glance

Account type Verdict Accounts Updated
Mortgages Accepts with conditions 2
Junior cash ISAs Accepts US citizens 1

Mortgages

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Accepts with conditions
Updated

US persons: the only lender here that takes dollar pay, at the worst exchange rate of the last decade

The only lender on this page that will underwrite a US dollar salary for someone living in the UK, and the United States sits on its accepted country list. The terms are harsh and worth reading twice: indefinite leave to remain, interest only, variable rate only, 80% loan to value, a sterling UK asset as the repayment vehicle, and your income converted at the lowest exchange rate of the past ten years.

Through a broker · indefinite leave to remain, England and Wales only

Account Terms The catch
Owner occupier expat 2 year discount
Rate
5.79%, variable
Then
7.54% follow on rate
Term
2 years
Max LTV
80%
Product fee
£999, or 0.3% above £500,000, plus £175 to apply
Rate as of
 This is the dollar income route. Interest only, minimum loan £100,000, England and Wales only, and your salary is converted at the worst exchange rate of the last ten years.
Owner occupier 5 year fixed
Rate
6.19%, fixed
Then
7.54% follow on rate
Term
Fixed to 31 October 2031
Max LTV
80%
Product fee
£999 plus £175 to apply
Rate as of
 The ordinary sterling route, open to a US citizen with indefinite leave to remain who is paid in pounds. The application fee includes a valuation up to £500,000.

Source: Family Building Society owner occupier lending criteria and expat range, 2026-08-17 Family Building Society's own page

Junior cash ISAs

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Accepts US citizens
Updated

The published terms set no US test: the child must be under 18 and resident in the UK. The general conditions treat US citizenship or tax residency as something Family reports to HMRC, not a reason to refuse an account. Opens by post or at the Epsom branch.

FSCS · post or Epsom branch

Account Terms The catch
Junior Cash ISA (3)
Access
Fixed term
Rate
3.45% to 3.70% AER (tiered), variable
Term
until the child turns 18
Min
£1
Max
£9,000 for tax year 2026/2027
Rate as of
 3.45% on balances from £1, 3.70% on balances of £3,000 or more

Source: Family Building Society Junior Cash ISA (3) product page, Product Features leaflet and General Conditions for Savings Accounts booklet, 2026-09-11 Family Building Society's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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 .
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