Which Perenna accounts accept US citizens
Last checkedPerenna offers a residential mortgage to a US person, with strings.
If you already have an account with Perenna, a second one there is usually the easier application, because Perenna has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.
At a glance
| Account type | Verdict | Accounts | Updated |
|---|---|---|---|
| Mortgages | Accepts with conditions | 2 |
Mortgages
Compare with other providersUS persons: a skilled worker visa with £50,000 income, eighteen months here, and sterling pay
Perenna will lend to 95% without indefinite leave to remain, which almost nobody else does, if the main applicant is on a skilled worker visa earning £50,000 with eighteen months in the UK. Its speciality is very long fixed rates, up to thirty years, where the early repayment charge bites only on refinancing rather than on selling. Everyone on the application must be paid in sterling.
Direct or through a broker · eighteen months here, twelve months left on the visa
| Account | Terms | The catch |
|---|---|---|
| Core 5 year fix (opens in a new tab) |
|
The same product at 60% loan to value is 5.75%. Not available on new build. |
| Core 10 year fix (opens in a new tab) |
|
The fee free version is 6.80%, and the same fix at 60% loan to value is 6.15%. Early repayment charges apply on refinancing, not on sale. |
Source: Perenna intermediary lending criteria, 2026-08-17 (opens in a new tab) Perenna's own page (opens in a new tab)
Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.