For second homes, relocation, UK investment, remortgaging and prime property purchases from the United States.
Willow translates dollar income, US credit, tax evidence, property use and ownership into one UK lender strategy, then manages the application through valuation, underwriting, offer and completion.
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Choose an objective to see the questions worth resolving and three relevant Willow guides selected for American buyers.
A main home, future residence, second home or family-occupied property can lead to different lender and regulatory routes for a US buyer.
Dollar income, US credit and a substantial deposit can still be treated differently by UK lenders. Open each factor to see how the same American buyer can receive different decisions.
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 outcomeYour adviser shapes the lender strategy while the support team coordinates evidence, valuation, compliance, underwriting and progress.
Clarify US residence, UK plans, dollar income, credit, property use, ownership, deposit and timing.
Compare lender appetite, affordability treatment, pricing, evidence and conditions.
Coordinate US evidence, source of funds, valuation, legal requirements and underwriting responses.
Manage conditions, liaise with the legal team and remain involved through completion.
Willow considers the complete American financial profile rather than presenting a generic list of UK mortgage rates.
This includes relocation, dollar-income policy, US credit and tax evidence, property use, ownership, liquidity and how the UK borrowing fits wider plans.
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 positionNo. 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.
Tell us your US residence, citizenship or visa position, dollar income, UK property objective, approximate value, deposit or equity and timing. You do not need every document ready.
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.
