For the use of mortgage intermediaries & other professionals only

Changes to non-UK nationals policy

From Wednesday 24 January, we are reducing the minimum income requirement that is applied as part of our non-UK criteria, which means some additional customers can be considered for a mortgage without a requirement for proof of permanent right to reside.

The minimum income requirement will now be:

  • 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, we will now use the total of all earned incomes towards this income requirement. 

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
  • The customer(s) meet the minimum income requirement.

Our website Criteria Non UK Nationals section will be updated Wednesday 24 January.