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US citizens in the UK · Institutions

Which Saffron Building Society accounts accept US citizens

Last checked

Saffron Building Society offers a residential mortgage to a US person, with strings.

If you already have an account with Saffron Building Society, a second one there is usually the easier application, because Saffron Building Society 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: two years here, sterling income only, and £75,000 to pass 75%

One of the few lenders that names Global Talent outright, which matters if you came in on that route rather than through a sponsor. It wants two years of UK residence but sets no minimum term left on the visa, and above 75% loan to value it wants £75,000 of income. Only sterling counts, so dollar pay is out.

Through a broker · two years here, England and Wales only

Account Terms The catch
Owner occupied 2 year fixed
Rate
5.87%, fixed
Then
6.99% standard variable rate less 1%
Term
2 years
Max LTV
90%
Product fee
£999
Rate as of
 Free valuation and no application fee. Above 75% loan to value a visa holder needs £75,000 income. Maximum loan £1,000,000, up to five and a half times income.
Owner occupied 2 year discount
Rate
5.09%, variable
Then
6.99% standard variable rate less 1%
Term
2 years
Max LTV
80%
Product fee
£999
Rate as of
 A discount of 2.90% off the 7.99% standard variable rate. Maximum loan £3,000,000 at this level.

Source: Saffron for intermediaries lending criteria, 2026-08-17 Last checked Saffron Building Society'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.