Which UK Lenders Accept Expats Paid in US Dollars?
USD is among the currencies most UK lenders' published FX rules list as acceptable where they take foreign-currency income at all, typically alongside a 20-25% haircut on the income figure. Our expat criteria matrix (refreshed 2026-08-18) doesn't break lender acceptance down currency-by-currency — the 19 of 102 tracked lenders below have published evidence of considering expat residential applications generally, so confirm USD specifically with the lender before applying.
As of 2026-08-18, published criteria from 19 of the 102 UK lenders we track for expat criteria can accommodate this scenario — 2 high-street, 15 building societies and 2 specialist — with minimum deposits from 10%.
Data refreshed 2026-08-18. Information only — not advice.
Your situation
High Street Lenders
- HSBC— Up to 75% LTV, min income £75,000 for non-UK residents
- Santander— Narrow exception within general residential criteria — LTV not published in our matrix
Building Societies
- Darlington Building Society— Up to 90% LTV, foreign-currency income considered
- Dudley Building Society— Up to 85% LTV
- Family Building Society— Listed on general criteria page — LTV not confirmed for residential
- Harpenden Building Society— Dedicated Expat Mortgages product line — LTV not published in our matrix
- Market Harborough Building Society— Expat residential range across England, Wales and mainland Scotland — LTV not published in our matrix
- Marsden Building Society— Up to 85% LTV, tiered by loan size
- Newbury Building Society— Considers expats for family use or buy-to-let — LTV not published in our matrix
- Newcastle Building Society— Up to 80% LTV, case-by-case — immediate family must occupy the property
- Nottingham Building Society— Up to 90% LTV, returning-expat criteria (residential only)
- Penrith Building Society— Up to 80% LTV, loans £50,000-£450,000
- Saffron Building Society— Up to 90% LTV (loans to £1m); 80% LTV up to £3m
- Scottish Building Society— Up to 80% LTV, immediate family must occupy the property
- Suffolk Building Society— Up to 80% LTV
- Tipton & Coseley Building Society— Up to 90% LTV, dedicated residential ex-pat range
- West Brom— UK Armed Forces personnel stationed overseas — LTV not published in our matrix
Specialist Lenders
- Gatehouse Bank— Up to 80% LTV (Sharia-compliant Home Purchase Plan)
- HSBC Expat— Separate HSBC Expat proposition — LTV not published in our matrix
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy some lenders say no
- UK lenders that accept foreign-currency income typically apply a haircut — commonly in the 20-25% range for major currencies including USD — to protect against exchange-rate movements.
- Our expat matrix tracks whether a lender considers expat applications in general; it doesn't currently confirm acceptance currency-by-currency, so always check USD specifically before applying.
- Deposit requirements for foreign-currency applicants tend to sit at the higher end of each lender's published range.
- A few lenders that consider expat applications only do so where the income is paid in sterling — Nationwide is the clearest published example — so they aren't listed on this foreign-currency page.
Related reading: UK expat mortgage guide · UK mortgage with foreign-currency income · Expat mortgage calculator · UK mortgages for British expats in Kuwait
See an estimate of what each of these lenders might lend you
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Run My Affordability CheckFrequently asked questions
Is USD an accepted currency for a UK mortgage?
USD is among the currencies most UK lenders' published FX rules list as acceptable when they do take foreign-currency income — typically with a 20-25% haircut applied to the income figure. Not every lender that considers expat applications accepts foreign-currency income specifically, so check on a lender-by-lender basis.
What haircut applies to a USD salary?
Published FX rules vary by lender — commonly in the 20-25% range for major currencies including USD. The exact figure depends on the individual lender's current policy, so treat any percentage as indicative rather than guaranteed.
Do I need a UK bank account for my USD income?
Most lenders that accept foreign-currency income want to see it land somewhere verifiable, and many ask for a period of UK account history once the mortgage completes. Requirements vary by lender — check before applying.
Which lenders specifically confirm they accept USD?
Our expat matrix tracks whether a lender considers expat residential applications generally, not currency-by-currency acceptance. The lenders below have published evidence of considering expat applications; confirm current USD acceptance directly with the lender or a broker before applying.
