Which Kensington Mortgages accounts accept US citizens
Last checkedKensington Mortgages offers a residential mortgage to a US person, with strings.
If you already have an account with Kensington Mortgages, a second one there is usually the easier application, because Kensington Mortgages 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: sterling pay, two years here, and settled status or a narrow 70% visa route
Kensington requires applicants to be UK residents and taxpayers paid in sterling, with two years of UK residency and settled status. There is one visa carve out: more than two years left on a skilled worker visa, two years in the same job and income above £75,000 gets you to 70% loan to value. Dollar salary is the hard stop rather than the passport.
Through a broker · two years here plus settled status, or the £75,000 visa route at 70%
| Account | Terms | The catch |
|---|---|---|
| Select 2 year fixed (opens in a new tab) |
|
Loans from £25,000 to £2,000,000, free valuation. A visa holder without settled status is capped at 70%. |
| Select 5 year fixed (opens in a new tab) |
|
Loans from £25,000 to £2,000,000. Capped at 70% on the visa route. |
Source: Kensington lending exclusions and residential product guide, 2026-08-17 (opens in a new tab) Last checked Kensington Mortgages'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.