USA Expat Mortgages
UK mortgages for British expats and overseas investors based in the United States. USD income accepted, specialist lenders who welcome US-resident applications, and a remote process that works across the Atlantic time zones.
UK mortgages for British expats in the USA
The US has a sizeable population of British nationals working in finance, technology, academia, law, medicine and entertainment, concentrated in New York, San Francisco, Boston and Los Angeles. Many earn well in USD, and that strong dollar income is generally well received by UK lenders, even with the standard currency haircut applied.
The complications are mainly tax-related. The US-UK double taxation treaty, IRS reporting on UK assets, and the way stock compensation is treated all add layers to a typical application. The UK lender panel for US residents is smaller than for the UAE or Singapore, but it is workable, and the right lenders price competitively when the case is presented properly.
Why US-based applicants come to us
USD Income Treated Favourably
Strong USD-denominated salaries, bonuses and stock compensation are well received by our specialist lender panel. Income is converted at conservative exchange rates with the typical haircut applied, and high US earnings often translate to meaningful loan sizes in sterling.
Finance, Tech, Academia, Entertainment
Our US-based clients typically work in investment banking, technology, academia, law, medicine, or the entertainment industry. We know which lenders prefer salaried W-2 income, which accept stock vesting schedules, and which can underwrite self-employed creatives.
US-UK Tax Treaty Considerations
British nationals in the US sit under both HMRC and IRS rules, with the US-UK double taxation treaty determining where each pound of income is taxed. We work with lenders familiar with that framework and present documentation accordingly.
Buy-to-Let and Residential
Whether you are buying a UK home for family use, a future return base, or pure investment, we cover both residential and buy-to-let lending for US-based applicants across all the major lender types.
Coverage Across Major US Hubs
Most of our US enquiries come from New York, San Francisco, Boston and Los Angeles, with growing volume from Austin, Seattle and Chicago. The application process is the same regardless of which state you file from.
Selective but Competitive Lender Panel
The UK lender panel for US residents is smaller than for the UAE or Singapore, but the lenders who do play in this space know it well and price competitively. We focus on those rather than wasting time with banks that nominally accept US applicants then decline.
The advantage of going through Doulton
Going direct from the US usually means defaulting to the UK bank you already hold an account with, only to find their published rates do not apply to non-residents, or that they decline US applicants outright once an underwriter looks at the file. The lenders who genuinely welcome US-based borrowers are mostly specialist or private banks rather than the high street.
We place US-resident applications regularly, work to East and West Coast hours when needed, and present W-2s, 1099s and stock vesting in the format underwriters respond to. That removes the back and forth that derails most direct applications and gets you to a decision in days rather than weeks.
Based in the USA? Looking at UK property?
We search across 130+ lenders, including the specialists who price best for US-resident borrowers. Get an indicative quote within hours.
Frequently asked questions
Can I get a UK mortgage from USA?
Yes. We work with lenders who actively welcome expat borrowers based in USA. Both residential and buy-to-let UK mortgages are available, subject to income, deposit and property criteria. You do not need to return to the UK to apply.
What deposit will I need as an expat in USA?
Most expat buy-to-let lenders require 25-35% deposit, and expat residential lenders typically want 25-40%. Larger deposits often unlock better rates. High-value and private bank lending can accommodate bespoke structures including asset-backed deposits.
Will my USA income be accepted?
Lender appetite varies by currency and employer type. Salaries in major currencies (USD, EUR, AED, SGD, HKD, CHF) paid by a recognised employer are widely accepted. Self-employed, commission-heavy or multi-currency income profiles need more careful lender selection - which is where broker access matters.
Are expat mortgage rates higher than UK resident rates?
Typically yes, by around 0.25-0.75% depending on the lender and product. The gap narrows at higher loan sizes and with private bank lending. A good broker will benchmark every suitable lender to keep the premium as small as possible.
How long does an expat UK mortgage application take?
Allow 4-8 weeks from application to offer. Documentation across jurisdictions, income verification and source-of-wealth checks take longer than a domestic UK case. We work alongside your conveyancer to keep everything moving.
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