The United States remains a popular destination for international property buyers, offering a diverse range of real estate opportunities across metropolitan cities, suburban areas, and high-growth investment zones. For UK investors, buying a house in America can offer substantial benefits — from capital appreciation and rental income to currency diversification and lifestyle value. However, navigating a foreign property market involves unique financial, legal, and tax considerations. This guide explores what UK buyers need to know about purchasing real estate in the US and how Fraser Bond can provide strategic support every step of the way.
Unlike the UK, the US real estate market is decentralised, meaning that property laws, taxes, and procedures vary significantly between states. Markets like New York, Los Angeles, Miami, and Austin each offer different returns, demand levels, and entry points for international buyers.
Top states for UK buyers include:
Florida – Popular for holiday homes and rental yields.
New York – High-value market with global demand.
Texas – Fast-growing economy and investor-friendly policies.
California – Lifestyle appeal and long-term capital growth.
While UK buyers can purchase property outright, many lenders in the US offer mortgage products to foreign nationals. However, interest rates and down payment requirements (often 30% or more) may be higher than for domestic buyers.
Required documentation typically includes:
Proof of income
UK bank statements
Credit references
Valid visa or passport
Property ownership in the US comes with federal, state, and sometimes local taxes. Foreign buyers may be subject to:
Capital Gains Tax (CGT)
Property Tax (varies by state)
FIRPTA (Foreign Investment in Real Property Tax Act), which withholds tax on property sales by foreign nationals
It’s essential to work with a qualified legal and tax advisor familiar with cross-border transactions.
Purchasing through an entity such as a Limited Liability Company (LLC) or trust can offer privacy, liability protection, and tax efficiency. The optimal structure depends on your investment goals and estate planning strategy.
Diverse property types: From urban condos to vacation homes and investment apartments
Strong rental yields: Especially in high-demand cities and tourist destinations
Dollar-based assets: Hedging against GBP volatility
Stable legal system: With clear property rights and title insurance systems
Fraser Bond supports UK and international investors in navigating overseas property purchases with confidence. Our end-to-end consultancy covers:
Market research & due diligence
Partnership with U.S.-based agents and legal advisors
Cross-border tax and mortgage advisory
Property acquisition and asset management services
Whether you are a private investor seeking income-generating assets or looking to diversify your property portfolio internationally, Fraser Bond ensures your investment aligns with your financial goals and risk appetite.
Buying a house in America presents a unique and potentially rewarding opportunity for UK investors. However, it requires in-depth market knowledge, cross-jurisdictional legal expertise, and a well-planned investment strategy. Fraser Bond provides the trusted guidance and professional insight needed to make informed decisions and maximise your returns in the U.S. property market.
