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US citizens in the UK · Institutions

Which West Brom Building Society accounts accept US citizens

Last checked

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

If you already have an account with West Brom Building Society, a second one there is usually the easier application, because West Brom 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: three years of UK address history, and Global Talent is not on the list

A brand new range, launched on 17 August 2026 after a pilot, and every product in it is fee free. Skilled worker and health and care visas reach 90% loan to value. Two things will catch a US citizen: a flat three years of UK address history whatever the visa, and the absence of Global Talent from the accepted list.

Through a broker · three years of UK address history, England and Wales only

Account Terms The catch
Foreign national 2 year fixed
Rate
5.45%, fixed
Then
6.25% standard variable rate
Term
2 years
Max LTV
90%
Product fee
None
Rate as of
 Skilled worker, health and care worker or pre-settled status, with three years of UK address history. Maximum loan £750,000 at this level. Spousal and dependent visas qualify only as joint applications.
Foreign national 5 year fixed
Rate
5.40%, fixed
Then
6.25% standard variable rate
Term
5 years
Max LTV
80%
Product fee
None
Rate as of
 Same visa and address history conditions. A fee free two year fix at 80% is 5.34%.

Source: West Brom intermediary lending and security policy, 2026-08-17 Last checked West Brom 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.