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US citizens in the UK · Institutions

Which Furness Building Society accounts accept US citizens

Last checked

Furness 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 Furness Building Society, a second one there is usually the easier application, because Furness 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: twelve months here, and only sponsored or spousal visa routes are named

One of only two lenders here that lends in mainland Scotland, which matters if the job is in Edinburgh or Glasgow. It takes health and care, spousal and sponsored skilled worker visas to 90% loan to value after twelve months here, with no minimum time left on the visa. Its published list is silent on Global Talent and on indefinite leave to remain, so anything outside those routes needs a call first.

Direct or through a broker · twelve months here, and it lends in Scotland

Account Terms The catch
2 year fixed
Rate
5.19%, fixed
Then
7.99% mortgage variable rate
Term
2 years
Max LTV
90%
Product fee
£999
Rate as of
 90% is the ceiling for a visa holder, so this is the top of the range for most of this audience.
5 year fixed
Rate
5.75%, fixed
Then
7.99% mortgage variable rate
Term
5 years
Max LTV
90%
Product fee
£999
Rate as of
 A two year discount at 5.39% to the same loan to value is also available.

Source: Furness Building Society intermediary lending criteria, 2026-08-17 Furness Building Society's own page

Junior cash ISAs

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Accepts US citizens
Updated

The published terms set no US test: a child qualifies if resident and ordinarily resident in the UK, or a Crown servant's dependant. Opens in branch, by phone or by post.

FSCS · branch, phone or post

Account Terms The catch
Furness Junior ISA (Issue 2)
Access
Fixed term
Rate
2.60% AER, variable
Term
until the child turns 18
Min
£1
Max
£9,000 in tax year 2026/2027
Rate as of
 —

Source: Furness Junior ISA (Issue 2) Key Features Document, 2026-09-11 Furness 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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