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US citizens in the UK · Institutions

Which Perenna accounts accept US citizens

Last checked

Perenna 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 checked.

At a glance

Account Verdict Last checked
Mortgages With strings

Mortgages

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With strings

US 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 10 year fix
Rate
6.70%, fixed
Then
7.50% Perenna reversion rate
Term
10 years
Max LTV
95%
Product fee
£995
Rate as of
 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.
Core 5 year fix
Rate
6.20%, fixed
Then
7.50% Perenna reversion rate
Term
5 years
Max LTV
95%
Product fee
£995
Rate as of
 The same product at 60% loan to value is 5.75%. Not available on new build.

Source: Perenna intermediary lending criteria, 2026-08-17 Last checked Perenna'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.