Which Pepper Money accounts accept US citizens
Last checkedPepper Money offers a residential mortgage to a US person, with strings.
If you already have an account with Pepper Money, a second one there is usually the easier application, because Pepper Money 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: one applicant must hold indefinite leave, so you cannot buy alone on a visa
A shut door for an American buying alone on a visa, because Pepper requires that one applicant holds indefinite leave to remain. Buying jointly with a settled partner works, and the visa then needs twelve months left. It also wants three years of UK address history, two years of UK employment, and refuses foreign currency income outright.
Through a broker · one applicant must have indefinite leave to remain
| Account | Terms | The catch |
|---|---|---|
| Pepper48 Light 2 year fixed (opens in a new tab) |
|
Cleanest credit tier, needing no adverse in 48 months. Free valuation to £500,000, plus a £150 application fee. |
| Pepper48 Light 5 year fixed (opens in a new tab) |
|
A £795 fee version is 6.03% and a fee free version 6.18%. Lending to £1,000,000 at 75%. |
Source: Pepper Money mortgage criteria guide, February 2026, read 2026-08-17 (opens in a new tab) Last checked Pepper Money'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.