Which Gen H accounts accept US citizens
Last checkedGen H offers a residential mortgage to a US person, with strings.
If you already have an account with Gen H, a second one there is usually the easier application, because Gen H 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
Compare with other providersUS persons: two years of UK credit history, and no dollar income
Unusually open on immigration: Gen H keeps no list of acceptable visas, sets no minimum time in the UK and asks only that the visa is valid to completion. What it wants instead is two years of UK credit history measured from your oldest account, which is the thing a recent arrival does not have. Foreign currency income is refused.
Direct or through a broker · any work-permitting visa, no minimum time here
| Account | Terms | The catch |
|---|---|---|
| 2 year fixed (opens in a new tab) |
|
The published range runs to 95%, but a foreign national stops at 90%. The fee free version is 5.98%. |
| 5 year fixed (opens in a new tab) |
|
The fee free version is 6.12% and a £1,499 fee version is 5.94%. |
Source: Gen H intermediaries, foreign nationals criteria, 2026-08-17 (opens in a new tab) Last checked Gen H's own page (opens in a new tab)
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.