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US citizens in the UK · Institutions

Which Gatehouse Bank accounts accept US citizens

Last checked

Gatehouse Bank offers a residential mortgage to a US person, with strings.

If you already have an account with Gatehouse Bank, a second one there is usually the easier application, because Gatehouse Bank 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: a home purchase plan rather than a mortgage, and 90% until you have indefinite leave

One of only two lenders on this page that counts a US dollar salary at full value, since Gatehouse puts the United States on its zero haircut list, and it asks for only six months of UK residence. Read what you are buying, though: this is a home purchase plan rather than a mortgage, meaning the bank co-owns the property and you pay rent on its share alongside payments to buy it out. How the IRS treats that structure is genuinely debated among practitioners, so put it to a US adviser before you sign.

Direct or through a broker · six months resident here, dollar income at full value

Account Terms The catch
Home purchase plan, 2 year fixed rental rate
Rate
5.68%, fixed
Then
7.25% standard variable rental rate
Term
2 years
Max LTV
80%
Product fee
£499 plus £149 to apply
Rate as of
 This is a rental rate rather than interest. Terms from 5 to 40 years, minimum finance £75,000.
Limited edition home purchase plan, 2 year fixed
Rate
6.48%, fixed
Then
7.25% standard variable rental rate
Term
2 years
Max LTV
90%
Product fee
£999 plus £149 to apply
Rate as of
 On a visa with twelve months unexpired you stop at 90%, which is this product. With indefinite leave to remain the 95% tier is 6.78%.

Source: Gatehouse Bank intermediaries criteria and home purchase plan guide, 2026-08-17 Last checked Gatehouse Bank'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.