Halifax has cut minimum income requirements for non-UK nationals, which “means that some additional customers can be considered for a mortgage without a requirement for proof of permanent right to reside”.  

The lender says the minimum income requirement is now:  

• A sole applicant with an income of £75,000 or more, or   
• Joint applicants, where one applicant has an income of £75,000 or more, or where the combined income of both applicants is £100,000, or more   
• Additionally, the firm will now use the total of all earned incomes towards this income requirement  

The business adds, as before proof of permanent right to reside is not required for any non-UK nationals where:  

• The customer — or either customer on a joint application — has lived in the UK for more than 5 years, or  
• Loan to value is lower than or equals 75%, or  
• Customers meet the minimum income requirement