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US citizens in the UK · Institutions

Which MPowered Mortgages accounts accept US citizens

Last checked

MPowered Mortgages offers a residential mortgage to a US person, with strings.

If you already have an account with MPowered Mortgages, a second one there is usually the easier application, because MPowered 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

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With strings

US persons: held to 75% loan to value until you have been here two years

MPowered dropped both the minimum income and the minimum time in the UK, which is rare, and replaced them with a step: under two years here you stop at 75% loan to value, and at two years you reach 90%. It runs a closed list of acceptable visas and names student and ancestral routes as refused, so anyone here to study is out.

Through a broker · no minimum income and no minimum time here

Source: MPowered residency criteria, 2026-08-17 Last checked MPowered Mortgages'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.