You may have a US salary, partnership earnings, investments and an established credit history. Buying in Britain means explaining how those resources will fund the purchase and support the borrowing in pounds.
Willow works through the purchase funding, continuing US commitments and any planned move before recommending the finance. Whether the property is a London base, a rental or your next home, we build the case from the way your finances actually work.
Or call 0207 082 5175
Choose a question below: buying before a move, using US earnings, arranging ownership or deciding how to fund the deposit. Each opens guidance on the information and decisions involved.
Explain how often you will use the property, who will live there and whether your principal home remains in the US. We assess the borrowing against that intended use and the income and funds available for the purchase.
Your tax return, credit report and bank statements describe different aspects of your finances. We establish how earnings, distributions, liabilities and available funds connect, then identify lenders whose requirements the proposed borrowing can meet.
Lender treatment changes according to US residence, nationality, visa position, relocation timing and whether the UK property will be occupied immediately.
UK lenders can convert the same dollar income differently and may vary on bonus, equity compensation, business profits, investment income and retained earnings.
A limited UK credit file need not end the application, but US credit, liabilities, banking history and deposit evidence must fit the lender's process.
Residential occupation, second-home use, family occupation and buy-to-let each lead to different lender and regulatory routes.
This tool illustrates a repayment mortgage and a selected reduction to dollar income after conversion into sterling. It is not an affordability decision, quotation, tax calculation or recommendation.
The haircut is illustrative only. Lenders use their own currency, affordability, tax, expenditure and stress-testing methods. As a mortgage is secured against your home or property, it could be repossessed if repayments are not maintained.
Request a US-buyer assessmentFilter published cases involving American buyers, US income and cross-border UK property decisions. Each example explains what shaped the lender route. Past outcomes do not guarantee future results.
Showing all 12 US buyer scenarios
US income, UK property choice and cross-border evidence informed lender selection.
Read the client outcomeIntended use, dollar income and high-value underwriting were considered together.
Read the client outcomeThe timing of the move, employment transition and US financial footprint shaped the route.
Read the client outcomeRental assessment, global assets and a larger loan required specialist underwriting.
Read the client outcomeNon-standard dollar income was evidenced for a lender able to assess its durability.
Read the client outcomeIncome evidence and equity from an existing property were coordinated into one purchase.
Read the client outcomeGlobal income, family occupation and the wider asset position shaped the mortgage.
Read the client outcomeGifted funds, source-of-wealth evidence and borrower affordability needed coordinating.
Read the client outcomeFuture occupation, employment timing and overseas history affected lender choice.
Read the client outcomeRental coverage, existing leverage and the next acquisition were assessed together.
Read the client outcomeCompany income, international evidence and the property required specialist underwriting.
Read the client outcomeUK equity, the overseas purpose and the wider asset position informed the refinance.
Read the client outcomeWe resolve the financing questions before assembling the application, so the US documents explain the proposed borrowing clearly. Your adviser and support team then coordinate the lender requirements through to completion.
Discuss how you earn, where the deposit is held and which US costs continue after the purchase. Confirm the intended property use and any changes to employment or residence before completion.
Assess the mortgage amount, deposit funding and capital you want to retain in the US. Compare relevant facilities, total costs, currency considerations and lender conditions before explaining the recommendation.
Organise the US tax, income, credit and banking evidence the lender requires. Explain the source of the deposit and any company or trust involvement, then coordinate valuation and underwriting responses.
Work with your UK solicitor and the lender on outstanding conditions and the completion timetable. Keep you informed from the US and address any changes in the facts supporting the application.
Will the deposit come from cash savings, an investment sale or funds held through a business? Will you keep a US home and its mortgage? Are you moving to UK payroll? The answers can change the amount, timing and structure of the UK borrowing.
Where tax, investment or ownership decisions are involved, we coordinate with your US and UK advisers with your authority. They advise on those decisions; Willow uses the agreed facts to assess financing options, including costs, security and repayment requirements.
Start a US-buyer assessmentThese briefings connect dollar-sterling movements, American demand, credit evidence and lender policy to an actual UK property decision.
Income conversion, deposit timing and lender haircuts can all affect the available route.
Read the briefing Prime London demandDemand, loan size and global assets are changing how prime London purchases are financed.
Read the briefing US credit evidenceA US credit score is only one part of the evidence; liabilities, banking history and UK footprint also matter.
Read the briefingThe answers are general guidance. UK lender treatment varies by US residence, dollar income, credit evidence, property use and ownership.
Ask about your positionYes, with your authority. Your accountant may help explain business earnings or the source of funds, while your solicitor addresses the proposed UK ownership. We coordinate the information relevant to borrowing. Tax, legal and investment advice remains with the appropriately qualified advisers.
No. A purchase involving US partnership income, an employment transfer or limited UK credit history can require specialist work at different loan sizes. We assess the circumstances and the available lending options, including purchases outside London.
No. Tell us where the funds are held, what other commitments they support and which assets you want to retain. We can examine the borrowing options while you take any necessary tax, legal or investment advice on the use of those funds.
No. Speaking with a Willow adviser, assessing your US and UK position and presenting appropriate mortgage solutions are free and carry no obligation. We only charge if you decide to proceed, and we explain all costs before you engage us.
Yes. Lender choice depends on residence, income, assets, deposit, property use, UK credit history and the way the case is evidenced.
Many do, but policies differ. Lenders may convert income at their own rate, apply a haircut and treat salary, bonus, investment or business income differently.
There is no universal percentage. Residence, property use, loan size, income, credit profile and lender appetite determine the available loan-to-value.
Not always. Some lenders can use US credit reports, banking history and a wider asset profile, though limited UK credit reduces the available routes.
Potentially. The lender will assess rent, property, experience, portfolio exposure, dollar income and ownership structure. Some buy-to-let mortgages are not FCA regulated.
Potentially. Visa status, future employment, current US income, timing and intended occupation all affect lender choice and when to apply.
Possibly, although lender choice is narrower and UK legal and tax advice is essential. Personal ownership or a UK SPV may be simpler for some transactions.
Private banks may suit larger loans, global assets, complex income or relationship-led lending, but should be compared with specialist mortgage options rather than assumed to be best.
A brief outline of the purchase, your earnings, the proposed deposit and any move date is enough for the first call. Mention any continuing US mortgage, business or trust involvement so we can identify the funding questions early.
No fee. No obligation.
Speaking with an adviser, assessing your US and UK position and presenting appropriate solutions costs you nothing. You only pay us if you decide to proceed, after every cost has been explained.
Keep sensitive information secure.
Do not send bank statements, identification documents or other sensitive information by ordinary email or WhatsApp. Willow will explain how to share documents securely when required.
As a mortgage is secured against your home or property, it could be repossessed if repayments are not maintained.
Willow Private Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 588422.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgage. Information on this page is general and does not constitute personalised mortgage, investment, legal or tax advice. Lending is subject to status, valuation, lender criteria, jurisdiction and full underwriting.
