UK mortgages for US citizens
Momo checked 63 providers. 53 offer a residential mortgage; 10 no longer do. Of those 53, 11 will lend to you outright and 42 attach conditions. None refuse. Last checked .
Your passport is not the problem here. What decides it is your visa, how long you have been in the country, and which currency your salary arrives in. The surprise comes later, when you repay.
A mortgage is a debt rather than an account, so a lender takes on no US reporting duty by lending to you. That is why this page reads so differently from the rest of the site: the banks that will not open you a savings account will happily lend you £400,000. Across all 63, from the high street to the private banks to the specialist lenders, citizenship is simply not one of the questions.
What actually decides it
The first gate is your immigration status. Most lenders want indefinite leave to remain, and the ones that take a work visa usually want a minimum time left on it. Halifax is the notable exception: pass its residency test and it asks for no particular visa type and no minimum validity left on one. A few close the door in ways that are easy to miss: Aldermore will not accept a work eVisa as proof of residency at all, April refuses every visa case outright, and Pepper Money requires that one applicant holds indefinite leave, so an American buying alone on a visa cannot apply, though buying with a settled partner can.
The second is how long you have lived here, because a lender cannot read a credit history you have not built. Nationwide, Virgin Money, Atom, the Co-operative Bank and Bath all want three years of UK address history. Precise wants three years of UK credit data and treats a non-EEA national as a referral even then.
The third is the one nobody publishes a comparison of. Here it is. If you are paid in US dollars, this list is the whole ball game, and it has nothing to do with being American:
- NatWest and Royal Bank of Scotland count a dollar salary in full, with no reduction at all. They are the same book, so applying to both is one application dressed as two.
- Gatehouse Bank also counts it in full, putting the United States on its zero haircut list, and asks for only six months of UK residence. What it sells is a home purchase plan rather than a mortgage, which is a different thing in US tax terms as well as UK ones.
- Halifax, and therefore Lloyds and Bank of Scotland, takes it with a fifth knocked off, in any of five currencies. Santander takes a quarter off, and HSBC applies its own scale.
- Family Building Society will underwrite dollar pay, and converts it at the lowest exchange rate of the past ten years. It also requires indefinite leave, interest only, and stops at 80%.
- Arbuthnot Latham writes the mortgage in dollars, which puts the loan in the same currency as the income instead of across the exchange rate from it. Lending starts at £500,000.
- Kuwait Finance House, formerly Ahli United Bank, considers foreign currency earnings, from £250,000 upwards.
- Almost everyone else refuses non-sterling income outright, including every specialist lender checked, Nationwide, Virgin Money, Bath, Saffron, Nottingham, Perenna, Gen H, Bank of Ireland and AIB.
If you have just arrived
Several lenders are built for exactly this. Hinckley and Rugby sets no minimum time in the UK at all, underwrites every visa case by hand and lends to 95%. NatWest also sets no minimum. Nottingham Building Society will match a United States credit file to reach 90% where a newcomer with no UK data would be held to 75%, though only through its specialist range, which prices higher than the standard one you cannot use. Vida accepts a skilled worker visa with no minimum time left to run, and Bluestone does not credit score at all, which is the best answer here for an empty UK file.
Names to be careful with
Skipton International is recommended to expats constantly and is the wrong shape twice over: its criteria require you to stay resident outside the UK, and its UK lending is buy to let rather than a home. Skipton Building Society, a different organisation, does lend on homes and does take visa holders. Three lenders have simply stopped: Tandem has withdrawn from first charge mortgages, Kent Reliance stopped writing new business in December 2025, and Clydesdale now only moves existing customers onto new deals. Four more are often suggested to people with overseas income and do no owner occupier lending at all: Bank of China, ICICI, State Bank of India and Habib Bank Zurich all finance investment property rather than a home you live in.
Watch the group structures too, because two applications to one group is one chance rather than two. New Lloyds Bank mortgages are written by Bank of Scotland plc, so Lloyds, Bank of Scotland and Halifax share a balance sheet. Virgin Money and Clydesdale are now part of Nationwide. NatWest and Royal Bank of Scotland publish identical products and rates.
The tax trap on the way out
This is the part almost nobody is told, and it matters more than any rate on this page. The US requires every figure on your tax return to be measured in dollars, so it does not see a sterling mortgage. It sees a dollar obligation whose size moves with the exchange rate. When you clear that debt, the US compares the dollars you borrowed with the dollars you repaid, and if the pound has fallen in between, the difference is a taxable gain.
Concretely: borrow £300,000 when the pound is worth $2.00 and the US records a $600,000 debt. Redeem it when the pound is worth $1.35 and you have discharged it for $405,000. The US treats that $195,000 difference as income. In sterling you gained nothing at all. You borrowed £300,000 and you repaid £300,000.
The IRS set this out in Revenue Ruling 90-79, and a federal appeals court applied it to a London house and a sterling mortgage in Quijano v. United States in 1996. Three features make it worse than it sounds. It is asymmetric, because the gain is taxable while a loss on your own home is not deductible. It is separate from the house, so it cannot be netted against the property and the principal residence exclusion does not cover it. And the trigger is retiring the debt rather than selling, so remortgaging, switching lender or making a large overpayment can all set it off while you still live there.
There is usually no UK tax to set against it either, because from the UK side nothing happened: the loan was in your own currency. Some of the detail is genuinely unsettled, including whether the gain is taxed at ordinary or capital rates, whether the 3.8% net investment income tax applies, and whether re-fixing your rate with the same lender counts as retiring the loan. Practitioners disagree, and the answer turns on your own circumstances, so this is a question to put to a US tax adviser before you sign anything, not after.
Read the treaty and its saving clause for why being taxed by both countries is the default, and what the PFIC rules do to UK funds before you build a savings pot to repay the mortgage with, because the obvious UK way to do that can cost more in US tax than the mortgage itself.
The mortgages you can get
A mortgage is a debt rather than an account, so a lender has no US reporting burden to avoid and your citizenship is rarely the question. What lenders ask about instead is your immigration status, how long you have been in the country, and whether your income arrives in pounds. Those conditions sit under each lender's name.
Sorted cheapest first, which is the opposite of the savings tables on this site: here the rate is what you pay rather than what you earn. Read the fee column alongside it, because a low rate bought with a large arrangement fee can cost more than a higher rate without one, especially on a smaller loan.
Fixed rate
The rate is held for a set period, so the payment does not move until the deal ends. Cheapest first.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Danske Bank UK Accepts with conditions US persons: indefinite leave to remain, because a work visa is refused outright Direct in Northern Ireland, through a broker in England · indefinite leave required Updated Source: Danske Bank UK intermediary lending criteria, 2026-08-17 (opens in a new tab) | Energy efficient home 2 year fixed (opens in a new tab) Fixed to 2 October 2028 | 4.44% then 6.15% follow on rate | fixed | 75% | £999 | Purchase only, for a property rated A to C for energy efficiency. Northern Ireland rates are published only through the bank's calculator. |
| HSBC UK Direct or through a broker · settled status, or twelve months here or £75,000 income Updated Source: HSBC intermediary criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 4.58% then 6.24% variable | fixed | 60% | £999 | This is the 60% loan to value tier. Foreign nationals without settled status stop at 85%, where the rate is higher. |
| Halifax Through a broker · one book with Lloyds and Bank of Scotland Updated Source: Halifax Intermediaries lending criteria, non-UK nationals and non-sterling income, 2026-08-17 (opens in a new tab) | Home mover 2 year fixed (opens in a new tab) Fixed to 31 December 2028 | 4.59% then 7.24% homeowner variable rate | fixed | 60% | £999 | Loans from £25,000 to £2,000,000. A fee free version is 4.76%. Non-UK nationals reach 95% loan to value on the residency test, at higher rates than this tier. |
| Lloyds Bank Direct · new Lloyds mortgages are written by Bank of Scotland plc Updated Source: Lloyds mortgage rates page and Halifax Intermediaries criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) Fixed to 30 November 2028 | 4.59% then 7.24% Lloyds homeowner variable rate | fixed | 60% | £999 | A fee free version is available, and Club Lloyds current account holders get 4.54%. Minimum deposit 5% across the range. |
| Danske Bank UK Accepts with conditions US persons: indefinite leave to remain, because a work visa is refused outright Direct in Northern Ireland, through a broker in England · indefinite leave required Updated Source: Danske Bank UK intermediary lending criteria, 2026-08-17 (opens in a new tab) | Energy efficient home 5 year fixed (opens in a new tab) Fixed to 1 October 2031 | 4.60% then 6.15% follow on rate | fixed | 75% | £999 | Purchase only, energy rating A to C. The published range runs to 90% loan to value. |
| The Co-operative Bank Accepts with conditions US persons: three years here plus indefinite leave, and sterling income if you are new to the bank Direct or through a broker · three years here and indefinite leave to remain Updated Source: Co-operative Bank intermediary lending criteria, version 4.15, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 4.67% then 6.62% reversionary rate | fixed | 60% | £999 | Includes £250 cashback. The fee free version at the same tier is 5.01%. The range runs to 90% loan to value, but a non-UK national needs indefinite leave at every tier. |
| AIB (NI), formerly Allied Irish Bank (GB) Accepts with conditions US persons: no dollar income at all, and £150,000 minimum plus PAYE employment outside Northern Ireland Direct by phone or branch · one licence with Allied Irish Bank (GB) Updated Source: AIB (NI) mortgage pages and general information sheet, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) Fixed to 31 October 2031 | 4.76% then 6.60% standard variable rate | fixed | 90% | None for first time buyers, movers and switchers | £1,000 cashback on new lending. Outside Northern Ireland the minimum loan is £150,000 and only PAYE employees are considered. Any non-sterling income disqualifies the application. |
| Nationwide Accepts with conditions US persons: three years of UK address history, and no foreign currency income at all Through a broker · full three year UK address history required Updated Source: Nationwide for intermediaries borrower types criteria, 2026-08-17 (opens in a new tab) | First time buyer 5 year fixed (opens in a new tab) 5 years | 4.77% then 6.49% standard mortgage rate | fixed | 85% | £999 | Loans from £25,000 to £299,999. 85% is the ceiling for foreign nationals. |
| Santander UK Through a broker · no time in the UK specified up to 75% loan to value Updated Source: Santander for intermediaries residential lending criteria, 2026-08-17 (opens in a new tab) | Home mover 5 year fixed (opens in a new tab) 5 years | 4.78% then 6.50% standard variable rate | fixed | 90% | £999 | Reaching 90% without permanent right to reside needs £50,000 income alone or £75,000 jointly, plus a year in the UK. |
| Santander UK Through a broker · no time in the UK specified up to 75% loan to value Updated Source: Santander for intermediaries residential lending criteria, 2026-08-17 (opens in a new tab) | Home mover 2 year fixed (opens in a new tab) 2 years | 4.81% then 6.50% standard variable rate | fixed | 90% | £999 | The loan is capped at £1,000,000 at this loan to value, and early repayment charges apply. |
| Virgin Money Accepts with conditions US persons: needs indefinite leave to remain, three years of address history and sterling pay Through a broker · permanent right to reside and three consecutive years of UK address history Updated Source: Virgin Money intermediaries foreign nationals criteria, 2026-08-17 (opens in a new tab) | Everyday 5 year fixed (opens in a new tab) 5 years | 4.81% then 6.74% standard variable rate | fixed | 90% | £999 | Free valuation on purchase, but no non-sterling income is accepted at all. |
| Virgin Money Accepts with conditions US persons: needs indefinite leave to remain, three years of address history and sterling pay Through a broker · permanent right to reside and three consecutive years of UK address history Updated Source: Virgin Money intermediaries foreign nationals criteria, 2026-08-17 (opens in a new tab) | Everyday 2 year fixed (opens in a new tab) 2 years | 4.83% then 6.74% standard variable rate | fixed | 90% | £999 | The fee free version is 5.02%, so it is worth doing the sums on a smaller loan. |
| TSB Accepts with conditions US persons: twelve months here, eighteen months left on an accepted visa Through a broker · twelve months here and eighteen months left on the visa Updated Source: TSB intermediary foreign nationals criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 4.84% then 7.24% homeowner variable rate | fixed | 85% | £995 | Loans from £5,000 to £1,000,000. Reaching 85% needs £50,000 income alone or £75,000 jointly. |
| TSB Accepts with conditions US persons: twelve months here, eighteen months left on an accepted visa Through a broker · twelve months here and eighteen months left on the visa Updated Source: TSB intermediary foreign nationals criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 4.89% then 7.24% homeowner variable rate | fixed | 85% | £995 | The early repayment charge starts at 5%, and the revert rate is the highest on this page. |
| Bank of Ireland UK Accepts with conditions US persons: Northern Ireland property only, and household income must be in sterling Direct or through a broker · Northern Ireland property, three years here Updated Source: Bank of Ireland UK mortgage criteria and rates, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) Fixed to 31 December 2031 | 4.94% then 6.94% standard variable rate | fixed | 90% | None, plus a £195 lending fee | Northern Ireland property only. Loans from £25,001 to £500,000, capital repayment only. |
| Principality Building Society Accepts with conditions US persons: two years of UK address history and a visa with twelve months to run Direct or through a broker · two years of UK address history, visa with twelve months left Updated Source: Principality residential lending criteria, 2026-08-17 (opens in a new tab) | Fixed to 30 November 2028 (opens in a new tab) Fixed to 30 November 2028 | 4.95% then 6.25% for three years, then 6.80% standard variable rate | fixed | 85% | £895 | Minimum loan £140,000, maximum £1,000,000, no valuation fee. A fee free version at the same loan to value is 5.28% and takes loans from £5,000. |
| AIB (NI), formerly Allied Irish Bank (GB) Accepts with conditions US persons: no dollar income at all, and £150,000 minimum plus PAYE employment outside Northern Ireland Direct by phone or branch · one licence with Allied Irish Bank (GB) Updated Source: AIB (NI) mortgage pages and general information sheet, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 4.96% then 6.60% standard variable rate | fixed | 90% | None for first time buyers, movers and switchers | Free standard valuation, no application or booking fee. A two year discount tracking 1.96% below the standard variable rate is also published. |
| Leeds Building Society Accepts with conditions US persons: indefinite leave to remain, two years here, and sterling income taxed in the UK Direct or through a broker · indefinite leave to remain and two years in the UK Updated Source: Leeds mortgage lending criteria and guidance, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) Fixed to 30 November 2031 | 4.96% then 8.24% standard variable rate | fixed | 90% | £999 | First time buyer, free valuation, cashback available. |
| Bank of Ireland UK Accepts with conditions US persons: Northern Ireland property only, and household income must be in sterling Direct or through a broker · Northern Ireland property, three years here Updated Source: Bank of Ireland UK mortgage criteria and rates, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) Fixed to 31 December 2028 | 4.98% then 6.94% standard variable rate | fixed | 90% | None, plus a £195 lending fee | Northern Ireland property only. Loans from £25,001 to £500,000, capital repayment only. Above 75% loan to value it wants £75,000 income alone or £100,000 jointly. |
| Principality Building Society Accepts with conditions US persons: two years of UK address history and a visa with twelve months to run Direct or through a broker · two years of UK address history, visa with twelve months left Updated Source: Principality residential lending criteria, 2026-08-17 (opens in a new tab) | Fixed to 30 November 2031 (opens in a new tab) Fixed to 30 November 2031 | 4.99% then 6.80% standard variable rate | fixed | 85% | £895 | Minimum loan £140,000, maximum £1,000,000, no valuation fee. |
| Leeds Building Society Accepts with conditions US persons: indefinite leave to remain, two years here, and sterling income taxed in the UK Direct or through a broker · indefinite leave to remain and two years in the UK Updated Source: Leeds mortgage lending criteria and guidance, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) Fixed to 30 November 2028 | 5.00% then 8.24% standard variable rate | fixed | 90% | £999 | First time buyer, free valuation, cashback available. Some Leeds deals revert first to the standard variable rate less 0.75% before moving to the full rate. |
| Barclays Accepts with conditions US persons: salary must land in a UK account, and under a year here means 75% loan to value Direct or through a broker · over a year here gives 90%, under a year gives 75% and Premier only Updated Source: Barclays intermediary residential criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.03% then 5.74% residential tracker | fixed | 90% | £899 | Loans from £5,000 to £640,000, with a 4% early repayment charge. |
| NatWest Through a broker · no minimum time in the UK, visa with six months left Updated Source: NatWest intermediary lending criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.08% then 6.74% variable | fixed | 75% | £995 | Minimum total loan of £350,000, and 75% is the ceiling without permanent right to reside. |
| Royal Bank of Scotland Accepts with conditions US persons: held to 75% loan to value without indefinite leave, and it is the same book as NatWest Direct or through a broker · the same book, products and rates as NatWest Updated Source: NatWest Group intermediary lending criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.08% then 6.74% variable | fixed | 75% | £995 | The identical rate appears on the NatWest rate finder, which is the point. |
| Coventry Building Society Accepts with conditions US persons: indefinite leave to remain, two years here, and sterling income Direct or through a broker · indefinite leave to remain, two years of UK residency and employment Updated Source: Coventry for intermediaries residential criteria, 2026-08-17 (opens in a new tab) | Fixed to 29 February 2032 (opens in a new tab) Fixed to 29 February 2032 | 5.11% then Coventry's standard variable rate | fixed | 90% | £999 | Home mover purchase. |
| Coventry Building Society Accepts with conditions US persons: indefinite leave to remain, two years here, and sterling income Direct or through a broker · indefinite leave to remain, two years of UK residency and employment Updated Source: Coventry for intermediaries residential criteria, 2026-08-17 (opens in a new tab) | Fixed to 28 February 2029 (opens in a new tab) Fixed to 28 February 2029 | 5.12% then Coventry's standard variable rate | fixed | 90% | £999 | Home mover purchase. |
| Coutts Accepts with conditions US persons: a minimum loan above £1,500,000 for new clients Private banker or broker · minimum loan above £1,500,000 for new clients Updated Source: Coutts intermediary mortgage criteria and rate sheet, 31 July 2026, read 2026-08-17 (opens in a new tab) | 2 year fixed rate (opens in a new tab) 2 years | 5.16% then 6.25% follow on variable rate | fixed | 60% | 0.5% of the loan, minimum £1,000 | The 60% loan to value tier; tiers run to 90% at 5.60%. Minimum loan for new clients is above £1,500,000. Up to £2,000 off the fee where the property is EPC A or B. |
| Skipton Building Society Accepts with conditions US persons: one year in the UK, a year left on the visa, and £40,000 of sterling income Direct or through a broker · one year in the UK, £40,000 income, all in sterling Updated Source: Skipton intermediaries A to Z residential lending criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) Fixed to 30 November 2031 | 5.16% then 6.29% residential variable rate | fixed | 90% | £995 | Purchase only, capital and interest, loans from £5,000 to £750,000. |
| Furness Building Society Accepts with conditions US persons: twelve months here, and only sponsored or spousal visa routes are named Direct or through a broker · twelve months here, and it lends in Scotland Updated Source: Furness Building Society intermediary lending criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 5.19% then 7.99% mortgage variable rate | fixed | 90% | £999 | 90% is the ceiling for a visa holder, so this is the top of the range for most of this audience. |
| Precise Mortgages Accepts with conditions US persons: treated as a referral rather than a yes, and every visa route is refused Through a broker · indefinite leave and three years of UK credit history Updated Source: Precise residential criteria, 2026-08-17 (opens in a new tab) | Limited edition Tier 1 2 year fixed (opens in a new tab) 2 years | 5.19% then 6.75% base rate plus 3.00% | fixed | 60% | £1,495 | £300 cashback, maximum loan £400,000. |
| Royal Bank of Scotland Accepts with conditions US persons: held to 75% loan to value without indefinite leave, and it is the same book as NatWest Direct or through a broker · the same book, products and rates as NatWest Updated Source: NatWest Group intermediary lending criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 5.19% then 6.74% variable | fixed | 75% | £995 | 75% is also the ceiling without permanent right to reside, so this is the relevant tier. Rates vary with loan size. |
| Newcastle Building Society Accepts with conditions US persons: held to 80% loan to value without indefinite leave, and no dollar salary Direct or through a broker · two years in the UK, and 80% loan to value without indefinite leave to remain Updated Source: Newcastle residential lending policy, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) Fixed to 30 November 2028 | 5.20% then 6.31% standard variable rate | fixed | 90% | £999 | Loans from £30,000 to £750,000, 10% overpayments a year. The 90% headline does not override the 80% ceiling applied to non-EEA applicants, and at 80% the rate is 4.99%. |
| Precise Mortgages Accepts with conditions US persons: treated as a referral rather than a yes, and every visa route is refused Through a broker · indefinite leave and three years of UK credit history Updated Source: Precise residential criteria, 2026-08-17 (opens in a new tab) | Tier 1 residential 2 year fixed (opens in a new tab) 2 years | 5.24% then 6.75% base rate plus 3.00% | fixed | 95% | 1.00% of the loan | Cleanest of five credit tiers. Loans from £25,001, to £2,000,000 at 95%. |
| Skipton Building Society Accepts with conditions US persons: one year in the UK, a year left on the visa, and £40,000 of sterling income Direct or through a broker · one year in the UK, £40,000 income, all in sterling Updated Source: Skipton intermediaries A to Z residential lending criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) Fixed to 30 November 2028 | 5.26% then 6.29% residential variable rate | fixed | 90% | £495 | Purchase only, capital and interest, loans from £5,000 to £750,000, income multiple up to five times. |
| Bath Building Society Accepts with conditions US persons: indefinite leave to remain and three years here, with no foreign currency income Direct or through a broker · indefinite leave to remain, three years here, lends in Scotland Updated Source: Bath Building Society residential lending criteria, 2026-08-17 (opens in a new tab) | Residential 2 year fixed (opens in a new tab) 2 years | 5.29% then 7.24% standard variable rate | fixed | 80% | £999 | A five year fix at 5.34% is available on the same terms, and a 95% version of the two year fix is 5.84%. |
| Newcastle Building Society Accepts with conditions US persons: held to 80% loan to value without indefinite leave, and no dollar salary Direct or through a broker · two years in the UK, and 80% loan to value without indefinite leave to remain Updated Source: Newcastle residential lending policy, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) Fixed to 30 November 2031 | 5.35% then 6.31% standard variable rate | fixed | 90% | £999 | Loans from £30,000 to £750,000. At 80% loan to value, the ceiling most non-EEA applicants face, the rate is 5.15%. |
| Kensington Mortgages Accepts with conditions US persons: sterling pay, two years here, and settled status or a narrow 70% visa route Through a broker · two years here plus settled status, or the £75,000 visa route at 70% Updated Source: Kensington lending exclusions and residential product guide, 2026-08-17 (opens in a new tab) | Select 2 year fixed (opens in a new tab) 2 years | 5.37% then 6.45% Kensington standard rate | fixed | 75% | 1.00% of the loan | Loans from £25,000 to £2,000,000, free valuation. A visa holder without settled status is capped at 70%. |
| Aldermore Accepts with conditions US persons: indefinite leave to remain, because a work eVisa is not accepted as proof of residency Through a broker · indefinite leave to remain and two years here, no visa route Updated Source: Aldermore residential criteria, July 2026, read 2026-08-17 (opens in a new tab) | Level 1 residential 2 year fixed (opens in a new tab) 2 years | 5.38% then 8.38% Aldermore managed rate | fixed | 75% | £999 | Maximum loan £1,000,000, free valuation on purchase and remortgage. |
| West Brom Building Society Accepts with conditions US persons: three years of UK address history, and Global Talent is not on the list Through a broker · three years of UK address history, England and Wales only Updated Source: West Brom intermediary lending and security policy, 2026-08-17 (opens in a new tab) | Foreign national 5 year fixed (opens in a new tab) 5 years | 5.40% then 6.25% standard variable rate | fixed | 80% | None | Same visa and address history conditions. A fee free two year fix at 80% is 5.34%. |
| West Brom Building Society Accepts with conditions US persons: three years of UK address history, and Global Talent is not on the list Through a broker · three years of UK address history, England and Wales only Updated Source: West Brom intermediary lending and security policy, 2026-08-17 (opens in a new tab) | Foreign national 2 year fixed (opens in a new tab) 2 years | 5.45% then 6.25% standard variable rate | fixed | 90% | None | 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. |
| Atom Bank Accepts with conditions US persons: three years here and unrestricted rights to live and work, so indefinite leave in practice Through a broker · three years here and unrestricted rights to live and work Updated Source: Atom Bank intermediaries residential lending criteria, 2026-08-17 (opens in a new tab) | Prime 2 year fixed (opens in a new tab) 2 years | 5.49% then 6.99% standard variable rate | fixed | 85% | None | Free basic valuation on purchase and remortgage. The 90% to 95% tier is 5.74%, also fee free. |
| Kensington Mortgages Accepts with conditions US persons: sterling pay, two years here, and settled status or a narrow 70% visa route Through a broker · two years here plus settled status, or the £75,000 visa route at 70% Updated Source: Kensington lending exclusions and residential product guide, 2026-08-17 (opens in a new tab) | Select 5 year fixed (opens in a new tab) 5 years | 5.51% then 6.45% Kensington standard rate | fixed | 75% | 1.00% of the loan | Loans from £25,000 to £2,000,000. Capped at 70% on the visa route. |
| April Mortgages Accepts with conditions US persons: indefinite leave to remain, since no visa case is considered at all Through a broker · indefinite leave to remain or settled status only Updated Source: April Mortgages broker criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.55% then 6.50% to 7.50% by loan to value | fixed | 95% | £1,190 in total | Rates run from 5.55% to 6.05% across the tiers. |
| Pepper Money Accepts with conditions US persons: one applicant must hold indefinite leave, so you cannot buy alone on a visa Through a broker · one applicant must have indefinite leave to remain Updated Source: Pepper Money mortgage criteria guide, February 2026, read 2026-08-17 (opens in a new tab) | Pepper48 Light 2 year fixed (opens in a new tab) 2 years | 5.58% then 8.15% lender managed rate | fixed | 75% | £1,495 | Cleanest credit tier, needing no adverse in 48 months. Free valuation to £500,000, plus a £150 application fee. |
| Gatehouse Bank Accepts with conditions US persons: a home purchase plan rather than a mortgage, and 90% until you have indefinite leave Direct or through a broker · six months resident here, dollar income at full value Updated Source: Gatehouse Bank intermediaries criteria and home purchase plan guide, 2026-08-17 (opens in a new tab) | Home purchase plan, 2 year fixed rental rate (opens in a new tab) 2 years | 5.68% then 7.25% standard variable rental rate | fixed | 80% | £499 plus £149 to apply | This is a rental rate rather than interest. Terms from 5 to 40 years, minimum finance £75,000. |
| Gen H Accepts with conditions US persons: two years of UK credit history, and no dollar income Direct or through a broker · any work-permitting visa, no minimum time here Updated Source: Gen H intermediaries, foreign nationals criteria, 2026-08-17 (opens in a new tab) | 2 year fixed (opens in a new tab) 2 years | 5.68% then 6.75% variable | fixed | 90% | £999 | The published range runs to 95%, but a foreign national stops at 90%. The fee free version is 5.98%. |
| Atom Bank Accepts with conditions US persons: three years here and unrestricted rights to live and work, so indefinite leave in practice Through a broker · three years here and unrestricted rights to live and work Updated Source: Atom Bank intermediaries residential lending criteria, 2026-08-17 (opens in a new tab) | Prime 5 year fixed (opens in a new tab) 5 years | 5.69% then 6.99% standard variable rate | fixed | 95% | None | This is the 90% to 95% tier, which is closed to self employed applicants. The tier up to 85% is 5.44%. |
| Furness Building Society Accepts with conditions US persons: twelve months here, and only sponsored or spousal visa routes are named Direct or through a broker · twelve months here, and it lends in Scotland Updated Source: Furness Building Society intermediary lending criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.75% then 7.99% mortgage variable rate | fixed | 90% | £999 | A two year discount at 5.39% to the same loan to value is also available. |
| Suffolk Building Society Accepts with conditions US persons: twelve months here, an approved profession, and a 10% deposit that cannot be gifted Direct or through a broker · twelve months here, England and Wales only Updated Source: Suffolk Building Society foreign nationals criteria, 2026-08-17 (opens in a new tab) | Residential 2 year fixed (opens in a new tab) Fixed to 31 October 2028 | 5.80% then 7.49% standard variable rate | fixed | 90% | £999 | Overpayments up to half the original loan without charge. Minimum property value £75,000. |
| Aldermore Accepts with conditions US persons: indefinite leave to remain, because a work eVisa is not accepted as proof of residency Through a broker · indefinite leave to remain and two years here, no visa route Updated Source: Aldermore residential criteria, July 2026, read 2026-08-17 (opens in a new tab) | Level 1 residential 5 year fixed (opens in a new tab) 5 years | 5.81% then 8.38% Aldermore managed rate | fixed | 75% | £999 | A fee free version is 5.91% and a £1,999 fee version is 5.71%, so the sums are worth doing. |
| Saffron Building Society Accepts with conditions US persons: two years here, sterling income only, and £75,000 to pass 75% Through a broker · two years here, England and Wales only Updated Source: Saffron for intermediaries lending criteria, 2026-08-17 (opens in a new tab) | Owner occupied 2 year fixed (opens in a new tab) 2 years | 5.87% then 6.99% standard variable rate less 1% | fixed | 90% | £999 | 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. |
| Gen H Accepts with conditions US persons: two years of UK credit history, and no dollar income Direct or through a broker · any work-permitting visa, no minimum time here Updated Source: Gen H intermediaries, foreign nationals criteria, 2026-08-17 (opens in a new tab) | 5 year fixed (opens in a new tab) 5 years | 5.97% then 6.75% variable | fixed | 90% | £999 | The fee free version is 6.12% and a £1,499 fee version is 5.94%. |
| Nottingham Building Society Through a broker · no minimum time in the UK, no minimum visa remaining Updated Source: Nottingham foreign nationals criteria, 2026-08-17 (opens in a new tab) | Foreign national 5 year fixed (opens in a new tab) Fixed to 30 November 2031 | 5.99% then 6.35% standard variable rate | fixed | 90% | £999 | A fee free version at 90% is 6.09%, and 80% loan to value is 5.69% with a £1,499 fee. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Everyday Residential 95% First Time Buyer Fixed Rate to 30/11/2029 (opens in a new tab) to 30 November 2029 | 5.99% then 7.94% standard variable rate | fixed | 95% including fees | None | First time buyers only, a maximum of two applicants, and not available for joint borrower sole proprietor cases. Loans from £50,000 to £500,000. Family gifted deposits are accepted on this product, which the visa route separately rules out. Above 80% loan to value the Society buys higher lending insurance. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Retirement Interest Only Fixed to 30/11/2029 (opens in a new tab) to 30 November 2029 | 5.99% then 7.94% standard variable rate | fixed | 60% including fees | £499 | Retirement interest only, meaning you pay the interest for life and the capital is repaid when the house is sold. Loans from £25,000 to £750,000. Early repayment charge of 3%, then 2%, then 1% to 30 November 2029. |
| Metro Bank Accepts with conditions US persons: income paid in dollars is not accepted, and you need permanent rights to reside Direct or through a broker · permanent rights to reside, sterling income only Updated Source: Metro Bank residential mortgage lending criteria and product range, 2026-08-17 (opens in a new tab) | 2 year fixed rate (opens in a new tab) 2 years | 5.99% then 7.25% standard variable rate | fixed | 80% | £999 | Capital and interest, maximum loan £1,000,000, 7.3% APRC. Foreign currency income is not accepted, and assets held outside sterling cannot be used as a repayment strategy. |
| Metro Bank Accepts with conditions US persons: income paid in dollars is not accepted, and you need permanent rights to reside Direct or through a broker · permanent rights to reside, sterling income only Updated Source: Metro Bank residential mortgage lending criteria and product range, 2026-08-17 (opens in a new tab) | Large loans 2 year fixed (opens in a new tab) 2 years | 5.99% then 7.25% standard variable rate | fixed | 80% | 0.25% of the loan | For loans of £1,000,000 and above, tiered by loan to value up to £10,000,000 at 65%. Foreign currency income is still not accepted. |
| April Mortgages Accepts with conditions US persons: indefinite leave to remain, since no visa case is considered at all Through a broker · indefinite leave to remain or settled status only Updated Source: April Mortgages broker criteria, 2026-08-17 (opens in a new tab) | 15 year fixed (opens in a new tab) 15 years | 6.00% then 6.50% to 7.50% by loan to value | fixed | 100% | £1,190 in total | Rates run from 6.00% to 6.90% across the loan to value tiers. The rate steps down as your balance falls, and early repayment charges apply only on refinancing rather than on moving. |
| Pepper Money Accepts with conditions US persons: one applicant must hold indefinite leave, so you cannot buy alone on a visa Through a broker · one applicant must have indefinite leave to remain Updated Source: Pepper Money mortgage criteria guide, February 2026, read 2026-08-17 (opens in a new tab) | Pepper48 Light 5 year fixed (opens in a new tab) 5 years | 6.08% then 8.15% lender managed rate | fixed | 75% | £1,495 | A £795 fee version is 6.03% and a fee free version 6.18%. Lending to £1,000,000 at 75%. |
| Nottingham Building Society Through a broker · no minimum time in the UK, no minimum visa remaining Updated Source: Nottingham foreign nationals criteria, 2026-08-17 (opens in a new tab) | Foreign national 2 year fixed (opens in a new tab) Fixed to 30 November 2028 | 6.09% then 6.35% standard variable rate | fixed | 90% | £999 | The foreign national range must be used; the cheaper standard products are closed to a visa holder. Reaching 90% needs enough UK credit data or a successful US credit match, otherwise 75%. |
| Vida Homeloans Through a broker · skilled worker visa accepted with no minimum time left on it Updated Source: Vida intermediaries lending criteria and residential rate sheet, 2026-08-17 (opens in a new tab) | Foreign nationals 2 year fixed (opens in a new tab) Fixed to 31 January 2029 | 6.13% then 8.44% Vida variable rate | fixed | 75% | £995 | Cleanest credit tier. Loans from £50,000 to £2,000,000, plus a £195 assessment fee. Needs 5% of the deposit from your own money. |
| Family Building Society Accepts with conditions US persons: the only lender here that takes dollar pay, at the worst exchange rate of the last decade Through a broker · indefinite leave to remain, England and Wales only Updated Source: Family Building Society owner occupier lending criteria and expat range, 2026-08-17 (opens in a new tab) | Owner occupier 5 year fixed (opens in a new tab) Fixed to 31 October 2031 | 6.19% then 7.54% follow on rate | fixed | 80% | £999 plus £175 to apply | The ordinary sterling route, open to a US citizen with indefinite leave to remain who is paid in pounds. The application fee includes a valuation up to £500,000. |
| Perenna Accepts with conditions US persons: a skilled worker visa with £50,000 income, eighteen months here, and sterling pay Direct or through a broker · eighteen months here, twelve months left on the visa Updated Source: Perenna intermediary lending criteria, 2026-08-17 (opens in a new tab) | Core 5 year fix (opens in a new tab) 5 years | 6.20% then 7.50% Perenna reversion rate | fixed | 95% | £995 | The same product at 60% loan to value is 5.75%. Not available on new build. |
| Kuwait Finance House PLC, formerly Ahli United Bank UK Accepts with conditions US persons: a £250,000 floor, a 70% ceiling, and only certain postcodes Through an intermediary · from £250,000, London, the Home Counties, Manchester or Milton Keynes Updated Source: KFH PLC Ijarah home purchase plan product guide, 2026-08-17 (opens in a new tab) | Ijarah home purchase plan, 5 year fixed (opens in a new tab) 5 years | 6.286% then 2.125% over the KFH base rate | fixed | 70% | 1.0% of the finance | Indicative, and set at completion from the profit margin plus the five year swap rate. Terms to 30 years, minimum finance £250,000. Below 50% finance to value it is 5.911%. |
| Gatehouse Bank Accepts with conditions US persons: a home purchase plan rather than a mortgage, and 90% until you have indefinite leave Direct or through a broker · six months resident here, dollar income at full value Updated Source: Gatehouse Bank intermediaries criteria and home purchase plan guide, 2026-08-17 (opens in a new tab) | Limited edition home purchase plan, 2 year fixed (opens in a new tab) 2 years | 6.48% then 7.25% standard variable rental rate | fixed | 90% | £999 plus £149 to apply | On a visa with twelve months unexpired you stop at 90%, which is this product. With indefinite leave to remain the 95% tier is 6.78%. |
| Bluestone Mortgages Through a broker · skilled worker visa after one year here, no credit scoring Updated Source: Bluestone residential product guide, July 2026, read 2026-08-17 (opens in a new tab) | Clear 2 year fixed (opens in a new tab) 2 years | 6.64% then 7.55% Bluestone variable rate | fixed | 80% | £1,495 | 80% is the ceiling for a visa holder with one year here. Maximum loan £1,000,000, term 5 to 40 years, capital and interest only. |
| Hinckley and Rugby Building Society Through a broker · no minimum time in the UK, every visa case underwritten by hand Updated Source: Hinckley and Rugby intermediaries, skilled worker visa criteria, 2026-08-17 (opens in a new tab) | Visa 2 year fixed (opens in a new tab) 2 years | 6.70% then 6.89% homeowner variable rate | fixed | 95% | £800 | Repayment basis only, no application fee. A longer fix to 31 October 2031 is 6.60% on the same fee and loan to value. |
| Perenna Accepts with conditions US persons: a skilled worker visa with £50,000 income, eighteen months here, and sterling pay Direct or through a broker · eighteen months here, twelve months left on the visa Updated Source: Perenna intermediary lending criteria, 2026-08-17 (opens in a new tab) | Core 10 year fix (opens in a new tab) 10 years | 6.70% then 7.50% Perenna reversion rate | fixed | 95% | £995 | 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. |
| Bluestone Mortgages Through a broker · skilled worker visa after one year here, no credit scoring Updated Source: Bluestone residential product guide, July 2026, read 2026-08-17 (opens in a new tab) | Clear 5 year fixed at 90% (opens in a new tab) 5 years | 7.14% then 7.85% Bluestone variable rate | fixed | 90% | £1,495 | Reaching 90% needs three years of UK residency on the visa route, and caps the loan at £400,000. |
| Vida Homeloans Through a broker · skilled worker visa accepted with no minimum time left on it Updated Source: Vida intermediaries lending criteria and residential rate sheet, 2026-08-17 (opens in a new tab) | Foreign nationals 2 year fixed at 90% (opens in a new tab) Fixed to 31 January 2029 | 7.35% then 8.44% Vida variable rate | fixed | 90% | £995 | Reaching 90% needs one applicant on £50,000 or joint income of £70,000. Maximum loan £1,500,000. The five year version is 7.13%. |
| Together Accepts with conditions US persons: permanent right to reside, sterling pay into a UK account, three years of address history Direct or through a broker · permanent right to reside, sterling pay, three years of address history Updated Source: Together personal finance lending criteria, 2026-08-17 (opens in a new tab) | First charge prime plus 5 year fixed (opens in a new tab) 5 years | 8.29% then 9.80% Together homeowner managed rate | fixed | 75% | £1,995 | Terms from 6 to 40 years. The 65% loan to value version is 8.09%. |
| Together Accepts with conditions US persons: permanent right to reside, sterling pay into a UK account, three years of address history Direct or through a broker · permanent right to reside, sterling pay, three years of address history Updated Source: Together personal finance lending criteria, 2026-08-17 (opens in a new tab) | First charge prime plus 2 year fixed (opens in a new tab) 2 years | 9.10% then 9.80% Together homeowner managed rate | fixed | 75% | £1,995 | 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. |
Tracker and variable
The rate moves, either following the Bank of England base rate or at the lender's discretion, so the payment can rise.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Halifax Through a broker · one book with Lloyds and Bank of Scotland Updated Source: Halifax Intermediaries lending criteria, non-UK nationals and non-sterling income, 2026-08-17 (opens in a new tab) | Home mover 2 year tracker (opens in a new tab) Fixed to 31 December 2028 | 4.06% then 7.24% homeowner variable rate | tracker | 60% | £1,499 | Base rate plus 0.31%. The identical product is sold under the Lloyds brand at the same rate and fee, which is the clearest proof the two are one book. |
| Lloyds Bank Direct · new Lloyds mortgages are written by Bank of Scotland plc Updated Source: Lloyds mortgage rates page and Halifax Intermediaries criteria, 2026-08-17 (opens in a new tab) | 2 year tracker (opens in a new tab) Fixed to 30 November 2028 | 4.06% then 7.24% Lloyds homeowner variable rate | tracker | 60% | £1,499 | Base rate plus 0.31%, the identical product Halifax sells as UCV540 at the same fee. |
| NatWest Through a broker · no minimum time in the UK, visa with six months left Updated Source: NatWest intermediary lending criteria, 2026-08-17 (opens in a new tab) | 2 year tracker (opens in a new tab) 2 years | 4.23% then 6.74% variable | tracker | 75% | £995 | Minimum total loan of £350,000. The payment moves with the base rate. |
| Nationwide Accepts with conditions US persons: three years of UK address history, and no foreign currency income at all Through a broker · full three year UK address history required Updated Source: Nationwide for intermediaries borrower types criteria, 2026-08-17 (opens in a new tab) | First time buyer 2 year tracker (opens in a new tab) 2 years | 4.39% then 6.49% standard mortgage rate | tracker | 85% | £999 | Base rate plus 0.64%, so the payment moves. |
| HSBC UK Direct or through a broker · settled status, or twelve months here or £75,000 income Updated Source: HSBC intermediary criteria, 2026-08-17 (opens in a new tab) | 2 year tracker (opens in a new tab) 2 years | 4.40% then 6.24% variable | tracker | 85% | £999 | Tracks the base rate, so the payment moves. |
| Barclays Accepts with conditions US persons: salary must land in a UK account, and under a year here means 75% loan to value Direct or through a broker · over a year here gives 90%, under a year gives 75% and Premier only Updated Source: Barclays intermediary residential criteria, 2026-08-17 (opens in a new tab) | 2 year tracker (opens in a new tab) 2 years | 4.48% then 5.74% residential tracker | tracker | 85% | £999 | No early repayment charge, but the payment moves with the base rate. |
| Bath Building Society Accepts with conditions US persons: indefinite leave to remain and three years here, with no foreign currency income Direct or through a broker · indefinite leave to remain, three years here, lends in Scotland Updated Source: Bath Building Society residential lending criteria, 2026-08-17 (opens in a new tab) | Residential 2 year discount at 95% (opens in a new tab) 2 years | 4.94% then 7.24% standard variable rate | variable | 95% | £999 | A discount of 2.30% from the standard variable rate, with a rate floor set in the loan documents. A fee free version is 5.29%. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Everyday Residential up to 80% LTV 2 Year Discount (opens in a new tab) 2 years | 4.99% then 7.94% standard variable rate | variable | 80% including fees | £999 | A discount of 2.95% off the 7.94% standard variable rate, with a floor of 2.50%. Loans from £50,000 to £1,000,000. No application fee. Early repayment charge of 2% in the first year and 1% in the second. |
| Marsden Building Society Accepts with conditions US persons: indefinite leave to remain, since a work visa does not clear the residential range Direct or through a broker · indefinite leave to remain and two years here Updated Source: Marsden intermediaries residential criteria, 2026-08-17 (opens in a new tab) | Residential 2 year discount (opens in a new tab) Initial rate to 31 October 2028 | 4.99% then 5.69% variable to 31 October 2031 | variable | 80% | £998 | No credit scoring. Minimum loan £30,000 and minimum property value £100,000. Purpose built flats are capped at 60% loan to value. |
| Saffron Building Society Accepts with conditions US persons: two years here, sterling income only, and £75,000 to pass 75% Through a broker · two years here, England and Wales only Updated Source: Saffron for intermediaries lending criteria, 2026-08-17 (opens in a new tab) | Owner occupied 2 year discount (opens in a new tab) 2 years | 5.09% then 6.99% standard variable rate less 1% | variable | 80% | £999 | A discount of 2.90% off the 7.99% standard variable rate. Maximum loan £3,000,000 at this level. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Everyday Expat Buy to Let 2 Year Discount (opens in a new tab) 2 years | 5.29% then 7.94% buy to let standard variable rate | variable | 80% including fees | £1,195 | For landlords living abroad, and the acceptable countries list names the USA. A discount of 2.65% off the 7.94% buy to let standard variable rate, with a floor of 2.50%. Individual landlords with at most three mortgaged UK lets. Loans from £50,000 to £750,000. Expat buy to let sits outside Financial Conduct Authority rules, so the usual consumer protections do not apply. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Everyday Expat Holiday Let 2 Year Discount (opens in a new tab) 2 years | 5.39% then 7.94% buy to let standard variable rate | variable | 75% including fees | £1,195 | A discount of 2.55% off the 7.94% buy to let standard variable rate, with a floor of 2.50%. The property must meet the HMRC furnished holiday let definition and be available to let for 140 days a year or more. Loans from £50,000 to £750,000. Outside Financial Conduct Authority rules, and closed to expats living in Europe. |
| Buckinghamshire Building Society Accepts with conditions US persons: three years here on a visa, and no deposit money from outside the UK Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score Updated Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07 (opens in a new tab) | Everyday Residential up to 90% LTV 2 Year Discount (opens in a new tab) 2 years | 5.49% then 7.94% standard variable rate | variable | 90% including fees | £999 | A discount of 2.45% off the 7.94% standard variable rate, with a floor of 2.50%. Loans from £50,000 to £750,000. No application fee. Early repayment charge of 2% in the first year and 1% in the second. |
| Hinckley and Rugby Building Society Through a broker · no minimum time in the UK, every visa case underwritten by hand Updated Source: Hinckley and Rugby intermediaries, skilled worker visa criteria, 2026-08-17 (opens in a new tab) | Visa 2 year discount (opens in a new tab) 2 years | 5.50% then 6.89% homeowner variable rate | variable | 90% | £800 | A discount of 1.39% off the homeowner variable rate with a 2.25% floor. The 95% version is 5.75%. |
| Family Building Society Accepts with conditions US persons: the only lender here that takes dollar pay, at the worst exchange rate of the last decade Through a broker · indefinite leave to remain, England and Wales only Updated Source: Family Building Society owner occupier lending criteria and expat range, 2026-08-17 (opens in a new tab) | Owner occupier expat 2 year discount (opens in a new tab) 2 years | 5.79% then 7.54% follow on rate | variable | 80% | £999, or 0.3% above £500,000, plus £175 to apply | This is the dollar income route. Interest only, minimum loan £100,000, England and Wales only, and your salary is converted at the worst exchange rate of the last ten years. |
| Kuwait Finance House PLC, formerly Ahli United Bank UK Accepts with conditions US persons: a £250,000 floor, a 70% ceiling, and only certain postcodes Through an intermediary · from £250,000, London, the Home Counties, Manchester or Milton Keynes Updated Source: KFH PLC Ijarah home purchase plan product guide, 2026-08-17 (opens in a new tab) | Ijarah home purchase plan, variable (opens in a new tab) Up to 30 years | 5.875% | variable | 70% | 1.0% of the finance | A margin of 2.125% over the KFH base rate, so the payment moves. No early payment charges on the variable rate. |
Priced case by case
Private banks that publish no rates and agree terms with each borrower, so the only way to find out is to ask.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Arbuthnot Latham Accepts with conditions US persons: a minimum loan of £500,000 and a £750,000 banking relationship Direct with an in-house adviser · from £500,000, plus £750,000 in deposits, investments or borrowing Updated Source: Arbuthnot Latham borrowing pages and product summary, 2026-08-17 (opens in a new tab) | Sterling residential mortgage (opens in a new tab) 2, 3 or 5 years | — then Arbuthnot Latham base lending rate, 3.75% | fixed | 65% | — | No rates are published and every case is priced individually. Borrowing starts at £500,000, the maximum term is 15 years, and Arbuthnot Latham advises only on its own products. |
| Arbuthnot Latham Accepts with conditions US persons: a minimum loan of £500,000 and a £750,000 banking relationship Direct with an in-house adviser · from £500,000, plus £750,000 in deposits, investments or borrowing Updated Source: Arbuthnot Latham borrowing pages and product summary, 2026-08-17 (opens in a new tab) | US dollar currency mortgage (opens in a new tab) typically a 5 year committed term | — | variable | 65% | — | Denominated in dollars or euros and secured on a UK property, from £500,000 or the currency equivalent. Fixed and tracker deals are not available on currency mortgages. Arbuthnot Latham carries the standard warning that exchange rate movement can change your repayments. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Owner-occupied facility, base rate tracker (opens in a new tab) maximum 10 years | — | tracker | 65% | 1% of the loan | No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Loans of £1,000,000 to £20,000,000, higher case by case. Interest only, with capital repayments available. An early repayment charge applies for at least the first 12 months. Up to 10% a year can be overpaid without a charge. Security in prime central London, prime London or the prime south of England. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Owner-occupied facility, fixed rate (opens in a new tab) 2, 3 or 5 years | — | fixed | 65% | 1% of the loan | No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Loans of £1,000,000 to £20,000,000, higher case by case. Interest only, with capital repayments available. The early repayment charge steps down over the fixed term. Up to 10% a year can be overpaid without a charge. Security in prime central London, prime London or the prime south of England. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Buy-to-let facility, base rate tracker (opens in a new tab) maximum 10 years | — | tracker | 65% | 1% of the loan | No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Loans of £1,000,000 to £20,000,000, higher case by case. Interest only, with capital repayments available. An early repayment charge applies for at least the first 12 months. Up to 10% a year can be overpaid without a charge. Security in prime central London, prime London or the prime south of England. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Buy-to-let facility, fixed rate (opens in a new tab) 2, 3 or 5 years | — | fixed | 65% | 1% of the loan | No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Loans of £1,000,000 to £20,000,000, higher case by case. Interest only, with capital repayments available. The early repayment charge steps down over the fixed term. Up to 10% a year can be overpaid without a charge. Security in prime central London, prime London or the prime south of England. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Bridging facility (opens in a new tab) maximum 12 to 18 months | — | tracker | 65% | 1% of the loan | No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Loans of £1,000,000 to £20,000,000, higher case by case. Interest only, with an exit fee from 0.5%. Security in prime central London, prime London or the prime south of England. |
| Butterfield Mortgages Accepts with conditions US persons: a minimum loan of £1,000,000 on a prime London or southern property Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Updated Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14 (opens in a new tab) | Refurbishment facility (opens in a new tab) | — | — | — | — | Considered case by case; the guidelines publish no loan size, term, loan to value or fee for it. No rates are published; pricing is a margin over Bank of England base rate with a 2.5% minimum pay rate. Security in prime central London, prime London or the prime south of England. |
| Coutts Accepts with conditions US persons: a minimum loan above £1,500,000 for new clients Private banker or broker · minimum loan above £1,500,000 for new clients Updated Source: Coutts intermediary mortgage criteria and rate sheet, 31 July 2026, read 2026-08-17 (opens in a new tab) | 2 year tracker (opens in a new tab) 2 years | Coutts base rate plus 1.14% then 6.25% follow on variable rate | tracker | 60% | 0.5% of the loan, minimum £1,000 | The 60% tier, rising to base plus 1.34% at 90%. Coutts says it will never set its base rate below zero. Overpayments are free on trackers. |
| Investec Accepts with conditions US persons: income of £300,000 a year and net worth of £3,000,000 Private bank or broker · income £300,000, net worth £3,000,000, lending from £1,000,000 Updated Source: Investec private client mortgage pages, 2026-08-17 (opens in a new tab) | Private client residential mortgage (opens in a new tab) 2 to 5 year deals, term up to 35 years | — | fixed | 95% in some cases, depending on circumstances | — | No rates are published and every case is priced individually. Lending runs from £1,000,000 to £10,000,000, on repayment, interest only or part and part, and is advanced in sterling only. |
| Weatherbys Private Bank Direct with a private banker · no published minimum loan Updated Source: Weatherbys US citizen services page, 2026-08-17 (opens in a new tab) | Residential mortgage (opens in a new tab) | — | variable | — | — | Nothing is published: no rate, no minimum loan and no maximum loan to value, with every case priced individually. Weatherbys runs dollar and euro currency accounts and carries the standard warning that a change in the exchange rate can increase the sterling equivalent of your debt, but it does not confirm a dollar-denominated mortgage in its published material. |
Also lending to US citizens, deals not listed here
Confirmed to lend to US citizens. Either their deals are not in the table above yet, or the lender prices each case individually, so ask directly.
- Bank of Scotland Bank of Scotland's own site (opens in a new tab) Updated Source: Bank of Scotland mortgage pages and FAQs, 2026-08-17 (opens in a new tab)
- Cumberland Building Society Cumberland Building Society's own site (opens in a new tab) Accepts with conditions US persons: a permanent right of residency, and lending mostly near its branches Updated Source: Cumberland intermediary residential criteria guide, June 2026, read 2026-08-17 (opens in a new tab)
- Handelsbanken Handelsbanken's own site (opens in a new tab) Accepts with conditions US persons: nothing is published, every case is underwritten in branch Updated Source: Handelsbanken UK mortgages page, 2026-08-17 (opens in a new tab)
- MPowered Mortgages MPowered Mortgages's own site (opens in a new tab) Accepts with conditions US persons: held to 75% loan to value until you have been here two years Updated Source: MPowered residency criteria, 2026-08-17 (opens in a new tab)
- Yorkshire Building Society Yorkshire Building Society's own site (opens in a new tab) Accepts with conditions US persons: right to reside, and the loan to value tiers on your income without settled status Updated Source: YBS mortgage lending criteria, 2026-08-17 (opens in a new tab)
An institution's name opens its page on Momo, with every account checked for it across the site. Account names link to the provider's own site. No link on this page is paid. How Momo makes money.
No longer offering this, or never did
Nothing to do with your citizenship: these are providers that do not offer a residential mortgage to anyone in the UK. Several are still recommended in forums and guides, which is why they are listed rather than left out.
| Provider | Why not | Last checked |
|---|---|---|
| Al Rayan Bank Al Rayan Bank's own site (opens in a new tab) | Al Rayan has stopped selling home purchase plans to ordinary UK residents, and its home finance pages now serve existing customers. The one product still open to new business is premier home finance, for applicants from Qatar, Saudi Arabia, Kuwait, Bahrain or Oman, so someone living here is outside it whatever their passport. Source: Al Rayan premier home finance page, 2026-08-17 (opens in a new tab) | |
| Bank of China (UK) Bank of China (UK)'s own site (opens in a new tab) | Two mortgage products remain, a lifetime tracker and a three year fix, and both are for business buy to let. There is no owner occupier product, so nothing here for a home you live in, whatever your nationality. Source: Bank of China UK mortgage product pages, 2026-08-17 (opens in a new tab) | |
| Clydesdale Bank Clydesdale Bank's own site (opens in a new tab) | Nothing to apply for, and this is not about being American. Clydesdale no longer lends to new customers and handles only product transfers for existing ones, having moved new residential lending to Nationwide after Nationwide acquired Virgin Money. Anyone pointed this way should read the Nationwide row. Source: Clydesdale for intermediaries, residential criteria, 2026-08-17 (opens in a new tab) | |
| Habib Bank Zurich Habib Bank Zurich's own site (opens in a new tab) | Habib Bank Zurich finances income generating property, conventionally or through its sharia range, and says plainly that it does not process regulated transactions under either. A mortgage on your own home is a regulated transaction, so this door is closed by design rather than by anything about your passport. Source: Habib Bank Zurich intermediaries page, 2026-08-17 (opens in a new tab) | |
| ICICI Bank UK ICICI Bank UK's own site (opens in a new tab) | ICICI Bank UK does not lend on UK homes to individuals at all. What it calls a home loan is for property in India, arranged with ICICI Bank India, and its own UK property lending is commercial. Source: ICICI Bank UK home loan page, 2026-08-17 (opens in a new tab) | |
| Kent Reliance Kent Reliance's own site (opens in a new tab) | Nothing to apply for. Kent Reliance withdrew all residential and buy to let products on 17 December 2025, and its owner OSB Group moved residential lending to Precise. Existing borrowers can still switch products. Anyone pointed this way should read the Precise row instead. Source: Kent Reliance for intermediaries, 2026-08-17 (opens in a new tab) | |
| Molo Finance Molo Finance's own site (opens in a new tab) | Not a nationality bar, but Molo asks for the permanent right to reside and work, which a sponsored visa does not give you. Its live proposition is buy to let, and the residential guide it still publishes is dated 2022, so no current rate for a home can be recorded. Source: Molo residential eligibility, 2026-08-17 (opens in a new tab) | |
| Skipton International Skipton International's own site (opens in a new tab) | Named constantly as the expat lender, and the wrong shape for this audience twice over. Its criteria require each applicant to remain resident overseas with no plan to move to the UK, and the UK range is buy-to-let investment property rather than a home you live in. Source: Skipton International expat mortgage key criteria, 2026-08-17 (opens in a new tab) | |
| State Bank of India UK State Bank of India UK's own site (opens in a new tab) | SBI UK lends through intermediaries on buy to let and commercial property. Its personal borrowing pages offer business loans and buy to let, so there is no owner occupier mortgage to apply for. Source: SBI UK borrowing pages, 2026-08-17 (opens in a new tab) | |
| Tandem Bank Tandem Bank's own site (opens in a new tab) | Nothing to apply for, whatever your nationality. Tandem is no longer accepting new applications for first charge mortgages and says so on its own page. Existing borrowers are still serviced. Source: Tandem Bank mortgages page, 2026-08-17 (opens in a new tab) |
New and changed accounts, monthly.
Providers change who they will take, and nobody tracks it. Momo does. One email a month with what moved, plus the occasional note on tax and money for US citizens in the UK.
How Momo handles your address: privacy policy.
Common questions
Can a US citizen get a UK mortgage?
Yes. Across the lenders checked here, none refuses a US citizen for being American. FATCA applies to financial accounts and a debt is not one, so lenders have no reporting reason to care about your passport.
What actually makes a UK mortgage hard for an American?
Immigration status, time in the country and UK credit history, not citizenship. Visa type and US-source income narrow the lender list, and a recent arrival with no UK credit file has fewer options than the headline rates suggest.
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 .