Which Royal Bank of Scotland accounts accept US citizens
Last checkedRoyal Bank of Scotland offers a residential mortgage to a US person, with strings.
If you already have an account with Royal Bank of Scotland, a second one there is usually the easier application, because Royal Bank of Scotland 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: held to 75% loan to value without indefinite leave, and it is the same book as NatWest
Read this row and the NatWest one as one lender. RBS and NatWest are in the same group and publish identical products and rates, so applying to both is one application dressed as two. The terms are NatWest's: no minimum time in the UK, dollar income counted in full with no haircut, and 75% loan to value on repayment only until you hold permanent right to reside.
Direct or through a broker · the same book, products and rates as NatWest
| Account | Terms | The catch |
|---|---|---|
| 2 year fixed (opens in a new tab) |
|
75% is also the ceiling without permanent right to reside, so this is the relevant tier. Rates vary with loan size. |
| 5 year fixed (opens in a new tab) |
|
The identical rate appears on the NatWest rate finder, which is the point. |
Source: NatWest Group intermediary lending criteria, 2026-08-17 (opens in a new tab) Last checked Royal Bank of Scotland'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.