UK mortgages for
Americans &
US residents.

A UK mortgage may be possible, but US citizenship alone does not establish eligibility. Where you live, any UK residency or visa position, income, deposit, credit history and the property all need review. Tell me whether you are buying from the US, already living in Britain or planning a move.

No. US residence, citizenship and tax status can affect which lenders will consider the case. Selecting a state on this page simply records where you are based; it is not an eligibility decision or a statement that every lender accepts applicants from that location.

Some UK lenders consider income paid in a foreign currency, subject to their criteria. The assessment can differ for basic salary, variable pay, self-employment and investment income. The lender also considers currency risk: a sterling mortgage payment can cost more in dollars if exchange rates move against you.

Stock compensation needs to be separated into what has vested, what has been sold and what is only expected in the future. A vesting history, award statements, payslips and bank or brokerage records help explain the position. Whether any amount can support affordability depends on the lender; an unvested award is not cash available for a deposit.

There is no single deposit percentage for every US applicant. It depends on the lender, residence, property, purpose and wider finances. Start with the amount genuinely available, where it is held and whether it relies on a sale or stock vesting. Allow separately for tax, legal costs, valuation and other purchase costs.

Do not assume a US score will be treated as a UK credit score or that it guarantees a decision. Tell me about your UK address and credit history, overseas liabilities and any missed payments. We can establish what credit information and supporting records a prospective lender requires before you incur application costs.

An overseas buy-to-let mortgage may be an option, subject to lender criteria and the property. Share the expected rent, intended tenancy, ownership and any existing property borrowing. A home for you or your family is a different brief from a property let to tenants. UK and US tax consequences need separate professional advice.

Explain when you plan to move, who will occupy the property and what happens to your employment and pay. A US salary continuing remotely, a transfer to a UK employer and a new job are different income stories. Nationality, immigration permission and residence should be recorded separately and the application must reflect foreseeable changes.

The initial conversation and document preparation can be handled by phone or video. Whether the full transaction can be completed remotely depends on the lender, identity checks and your solicitor’s requirements. We clarify those arrangements early rather than assuming a visit is or is not needed.

For residential property in England or Northern Ireland, the non-UK resident Stamp Duty Land Tax surcharge is normally an extra 2 percentage points where the rules apply. Its residence test is not simply your passport or usual tax status. Other rates, exceptions and refunds may be relevant; Scotland and Wales have separate property taxes. Ask your conveyancer or tax adviser to confirm your position.