UK mortgages for US citizens
Your passport is not the problem here. Of the 62 lenders checked, not one refuses you for being American. 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 62, 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, so here is ours. 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.
This is not folklore. It is the IRS position 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.
A few verdicts below are not yet verified and are marked as such;
treat those as leads until confirmed. They are kept out of this
page's structured data until a person has checked them.
We checked 62 providers. 52 offer a residential mortgage and 10 no longer do. Of those 52, 52 will lend to you and 0 will not lend to you. Last checked 17 August 2026.
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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) Direct or through a broker · settled status, or twelve months here or £75,000 income | 5 year fixed (opens in a new tab) 5 years | 4.56% 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 (opens in a new tab) Through a broker · one book with Lloyds and Bank of Scotland | 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 (opens in a new tab) Direct · new Lloyds mortgages are written by Bank of Scotland plc | 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 (opens in a new tab) With strings 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 | 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. |
| Royal Bank of Scotland (opens in a new tab) With strings 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 | 2 year fixed (opens in a new tab) 2 years | 4.65% 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. |
| The Co-operative Bank (opens in a new tab) With strings 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 | 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. |
| NatWest (opens in a new tab) Through a broker · no minimum time in the UK, visa with six months left | 5 year fixed (opens in a new tab) 5 years | 4.69% 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 (opens in a new tab) With strings 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 | 5 year fixed (opens in a new tab) 5 years | 4.69% then 6.74% variable | fixed | 75% | £995 | The identical rate appears on the NatWest rate finder, which is the point. |
| AIB (NI), formerly Allied Irish Bank (GB) (opens in a new tab) With strings 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) | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) Through a broker · no time in the UK specified up to 75% loan to value | 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 (opens in a new tab) Through a broker · no time in the UK specified up to 75% loan to value | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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. |
| Barclays (opens in a new tab) With strings 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 | 5 year fixed (opens in a new tab) 5 years | 4.85% then 5.74% residential tracker | fixed | 90% | £899 | Loans from £5,000 to £640,000, with a 4% early repayment charge. |
| TSB (opens in a new tab) With strings 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 | 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. |
| Coventry Building Society (opens in a new tab) With strings 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 | Fixed to 31 December 2031 (opens in a new tab) Fixed to 31 December 2031 | 4.91% then 6.54% standard variable rate | fixed | 90% | £999 | Home mover purchase, with no early repayment charge. |
| Coventry Building Society (opens in a new tab) With strings 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 | Fixed to 31 December 2028 (opens in a new tab) Fixed to 31 December 2028 | 4.92% then 6.54% standard variable rate | fixed | 90% | £999 | Home mover purchase, with no early repayment charge. |
| Bank of Ireland UK (opens in a new tab) With strings US persons: Northern Ireland property only, and household income must be in sterling Direct or through a broker · Northern Ireland property, three years here | 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 (opens in a new tab) With strings 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 | 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) (opens in a new tab) With strings 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) | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings US persons: Northern Ireland property only, and household income must be in sterling Direct or through a broker · Northern Ireland property, three years here | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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. |
| Skipton Building Society (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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. |
| Coutts (opens in a new tab) With strings 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 | 2 year fixed rate (opens in a new tab) 2 years | 5.20% 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. |
| Newcastle Building Society (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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% | 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 (opens in a new tab) With strings 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 | 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. |
| Pepper Money (opens in a new tab) With strings 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 | Pepper48 Light 2 year fixed (opens in a new tab) 2 years | 5.40% 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. |
| West Brom Building Society (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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% | 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 (opens in a new tab) With strings 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 | 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. |
| Family Building Society (opens in a new tab) With strings 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 | Owner occupier 5 year fixed (opens in a new tab) Fixed to 31 October 2031 | 5.59% 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. |
| Gatehouse Bank (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings US persons: two years here, sterling income only, and £75,000 to pass 75% Through a broker · two years here, England and Wales only | 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. |
| Pepper Money (opens in a new tab) With strings 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 | Pepper48 Light 5 year fixed (opens in a new tab) 5 years | 5.88% 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%. |
| Gen H (opens in a new tab) With strings 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 | 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 (opens in a new tab) Through a broker · no minimum time in the UK, no minimum visa remaining | 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. |
| Metro Bank (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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. |
| Nottingham Building Society (opens in a new tab) Through a broker · no minimum time in the UK, no minimum visa remaining | 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 (opens in a new tab) Through a broker · skilled worker visa accepted with no minimum time left on it | 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. |
| Perenna (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) Through a broker · skilled worker visa after one year here, no credit scoring | 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 (opens in a new tab) Through a broker · no minimum time in the UK, every visa case underwritten by hand | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) Through a broker · skilled worker visa after one year here, no credit scoring | 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 (opens in a new tab) Through a broker · skilled worker visa accepted with no minimum time left on it | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 | ||||||
|---|---|---|---|---|---|---|
| Coutts (opens in a new tab) With strings 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 | 2 year tracker (opens in a new tab) 2 years | Coutts base rate plus 1.04% 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. |
| Halifax (opens in a new tab) Through a broker · one book with Lloyds and Bank of Scotland | 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 (opens in a new tab) Direct · new Lloyds mortgages are written by Bank of Scotland plc | 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 (opens in a new tab) Through a broker · no minimum time in the UK, visa with six months left | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) Direct or through a broker · settled status, or twelve months here or £75,000 income | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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%. |
| Marsden Building Society (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings US persons: two years here, sterling income only, and £75,000 to pass 75% Through a broker · two years here, England and Wales only | 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. |
| Hinckley and Rugby Building Society (opens in a new tab) Through a broker · no minimum time in the UK, every visa case underwritten by hand | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings 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 | 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 (opens in a new tab) With strings US persons: a minimum loan of £1,000,000 on a prime London or southern property Broker led, direct enquiries taken · minimum loan £1,000,000, prime London and southern England only Not yet verified · last checked 17 August 2026 | Owner-occupied facility (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 subject to a 0.5% floor. Facilities run from £1,000,000 to £20,000,000 on interest only, with security in prime central London, prime London or the prime south of England. |
| Investec (opens in a new tab) With strings 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 | 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 (opens in a new tab) Direct with a private banker · no published minimum loan | 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 (opens in a new tab)
- Cumberland Building Society (opens in a new tab) With strings
- Handelsbanken (opens in a new tab) With strings
- MPowered Mortgages (opens in a new tab) With strings
- Yorkshire Building Society (opens in a new tab) With strings
Institution and 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.
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(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. | 17 August 2026 |
| Bank of China (UK)(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. | 17 August 2026 |
| Clydesdale Bank(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. | 17 August 2026 |
| Habib Bank Zurich(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. | 17 August 2026 |
| ICICI Bank UK(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. | 17 August 2026 |
| Kent Reliance(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. | 17 August 2026 |
| Molo Finance(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. | 17 August 2026 |
| Skipton International(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. | 17 August 2026 |
| State Bank of India UK(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. | 17 August 2026 |
| Tandem Bank(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. | 17 August 2026 |
Confirm your own position with a cross-border specialist.
Acceptance policies and tax rules change, and your facts may differ from the
general case. Use this as a map, not a ruling. Last checked 17 August 2026.