UK Mortgage with USD Income

Our team of mortgage experts are on hand to help you find the right sort of UK loan regardless of whether or not you earn in US dollars.

Getting a UK Mortgage with US Dollar Income

Obtaining a mortgage deal when any of your financial circumstances are non-standard in some way is trickier. Not all lenders will offer the same deals to borrowers who do not fall into certain, more easily managed categories. This includes people who earn in currencies other than sterling. Given that many UK-based people earn in US dollars, among other foreign currencies, expert help can be beneficial when seeking a mortgage in the UK. This is exactly the sort of specialist service we offer here at Pinnacle Finance.

Are US Dollars Acceptable to UK Mortgage Lenders?

Yes and no. To be clear, some mortgage lenders will only stick to providing loans to people who have a regular income in pounds, or GBP. If some or all of your income is in USD, or US dollars, then you might not be able to apply for a mortgage with certain lenders. There again, some mortgage providers will only offer certain sorts of mortgage products to people who earn their income in dollars, potentially limiting choice.

As such, it can get quite complex even if your partner – in the case of joint applications – earns in sterling while you earn in dollars. The issue so far as lenders are concerned is that fluctuations in international exchange rates – principally USD to GBP – can affect disposable income and, therefore, the ability to repay loans. 

At Pinnacle Finance, we will guide you through the market to find a suitable lender given the proportion of which you earn in dollars which offers the sort of mortgage deal you are after. As experts in the whole of the UK mortgage lending market, we are ideally placed to help US dollar earners and people who earn in more than one international currency alike.

Mortgage Broker Essex

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Still Have Questions?

If you cannot find an answer you are seeking, then simply click the button below, or call us at 0208 125 3100, to get in touch with one of our mortgage brokers.

Depending on your circumstances you may have a wide selection of mortgage companies willing to offer you the mortgage you desire. With access to thousands of mortgage deals, our experts will find you the most suitable deal.

Yes, we have whole of market access. As we are an independent brokerage, and not tied directly to a group of lenders, we can access the full mortgage market. This exposure allows us to scour the market for the best lending arrangements for our clients.

Lenders can vary significantly in what they are willing to offer when assessing affordability. However, our team of expert advisors will thoroughly assess the market to ascertain your maximum borrowing potential, and will fully guide you along the way.

Our specialist lending proposition encompasses all aspects of mortgage broking. Our team of experts are true professionals in areas such as expatriates, foreign currency, high net worth individuals, large loans, and complex buy to let, just to name a few. This spectrum of expertise is what sets us apart.

As a dollar earner, does being employed or self-employed make a difference when applying for a mortgage?

Yes, it will do. Your employment status usually makes a difference to the way in which mortgage deals are put together by lenders regardless of whether you also earn in currencies other than sterling. If you earn USD as an employee of an American company, then the regular income you receive will not necessarily make any difference – depending on the particular lender involved.

However, self-employed people who are paid in dollars by clients in the US may be seen as more of a risk by some lending providers. That’s why specialist market knowledge in the mortgage sector can be so helpful if you are a contractor or freelancer with dollar earnings.

How do I get a mortgage with a US dollar-based income?

We will help you to obtain a mortgage deal that is right for your wider financial circumstances, not just the fact that you earn in dollars. At Pinnacle Finance, we have a great deal of experience in matching dollar earners with suitable mortgage products. To discuss all of your available options, please get in touch today.

Get in touch

We understand that every circumstance is different, and having a bespoke touch is essential in understanding a case. This openminded approach is what creates a professional standard that we always uphold.

Our team of bridging loan specialists are available to discuss your individual requirements, so simply complete the contact form and we’ll be in touch shortly.

Here Is Just A Sample Of Our Reviews

As an expat of the UK, I was looking to remortgage my investment property situated in London. My broker at Pinnacle promptly found me a suitable lender, and an overall competitive deal.



Due to my complex employment situation and the time I spend outside the UK with work, I needed expert advice when arranging my mortgage. The team at Pinnacle duly provided this.


UK & Switzerland

We were looking to relocate back to the UK but had no idea where to begin. Our broker was immense at handling our enquiry and found us a great deal with a high street lender.

Elizabeth & Joel


I had an offer accepted on a holiday let in Scotland but was struggling to find a lender. I approached Pinnacle and they expertly found a mortgage solution that worked perfectly for me.



As a professional based in Dubai, I needed a specialist broker who could review my property portfolio. The results exceeded my expectations, and I would certainly recommend Pinnacle.



As Portuguese & French nationals residing in the UK, we were seeking a mortgage. We are both contracting, but none of this fazed our broker and they found us a mortgage that is perfect for us.

Joao & Anna