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US citizens in the UK · Institutions

Which Marsden Building Society accounts accept US citizens

Last checked

Marsden Building Society offers a residential mortgage to a US person, with strings.

If you already have an account with Marsden Building Society, a second one there is usually the easier application, because Marsden Building Society 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: indefinite leave to remain, since a work visa does not clear the residential range

Marsden underwrites by hand and does not credit score, which helps a thin UK file, but its residential range still stops at indefinite leave to remain or an EU settlement status a US citizen cannot hold. The skilled worker route it does run sits on its expat range, which is built for people living overseas rather than here.

Direct or through a broker · indefinite leave to remain and two years here

Account Terms The catch
Residential 2 year discount
Rate
4.99%, variable
Then
5.69% variable to 31 October 2031
Term
Initial rate to 31 October 2028
Max LTV
80%
Product fee
£998
Rate as of
 No credit scoring. Minimum loan £30,000 and minimum property value £100,000. Purpose built flats are capped at 60% loan to value.

Source: Marsden intermediaries residential criteria, 2026-08-17 Last checked Marsden Building Society'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.