Which Together accounts accept US citizens
Last checkedTogether offers a residential mortgage to a US person, with strings.
If you already have an account with Together, a second one there is usually the easier application, because Together 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: permanent right to reside, sterling pay into a UK account, three years of address history
Together requires permanent right to reside, sterling pay into a UK bank account and three years of address history, and refers anyone on a visa to an underwriter. Its credit tolerance is genuine, using a demerit system rather than a score, but that is aimed at damaged files rather than empty ones, so it does little for a recent arrival. The rates are much higher than the high street.
Direct or through a broker · permanent right to reside, sterling pay, three years of address history
| Account | Terms | The catch |
|---|---|---|
| First charge prime plus 2 year fixed (opens in a new tab) |
|
Needs no demerits in twelve months. Loans from £50,000 to £500,000 at this loan to value. The loan to value is measured including broker fees. |
| First charge prime plus 5 year fixed (opens in a new tab) |
|
Terms from 6 to 40 years. The 65% loan to value version is 8.09%. |
Source: Together personal finance lending criteria, 2026-08-17 (opens in a new tab) Last checked Together'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.