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Do you live outside of the US?

If you do not live in the US, you may still be able to apply for a mortgage with Joint American Trust Bank on a property in the US. Please email us on to find out more or to progress an application.

Whether the fixed rate of your mortgage is coming to an end or you are looking for a better deal to save you money on your current mortgage, we could offer you:

  • Free Standard valuation
  • Competitive mortgage rates
  • A wide range of mortgages
  • Apply , online

You could get a mortgage approval in a day

Service available by phone or at selected branches by prior appointment with a Mortgage Specialist. Whether we can approve a mortgage application, and do so in a day, depends on your individual circumstances, you providing the documentary evidence we require for your appointment and the complexity and timing of your application.

Find out more

Your home may be repossessed if you do not keep up repayments on your mortgage.

Already started an application?

Whether you started your application over the phone or online, you can see how it's progressing here. Simply log on using the username we've given you and security details you created.



Step 1 - Email us to get a Decision in Principle.

Step 2 - Provide us with your supporting documents.

Step 3 - Arrange an appointment with a Mortgage Advisor who will provide you with advice and guide you through your application.


Step 1 - Get a Decision in Principle online now.

Step 2 - You can choose to receive mortgage advice after receiving your Decision in Principle or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however you will not receive advice.

Apply online