Halifax accepts non-sterling income in five currencies, with a haircut and an exchange rate fixed at the decision-in-principle stage. The published rules are unusually specific, which cuts both ways. Here is how the criteria work at the time of writing, and when another route may fit better.

HSBC is one of the few high street names that may consider foreign currency income and, in some cases, non-UK residents. The policies are broader than most, and more detailed. Here is how the published criteria work, what evidence is expected, and when another route may fit better.

Santander accepts some foreign income, but only in four currencies and with a 25% haircut — the strictest of the high street banks. We explain the rules and show how a broker can help maximise your borrowing power.

NatWest is one of the few banks to use 100% of foreign income with no haircut, making it attractive for high earners. We explain their rules, limits, and how a broker helps maximise your borrowing power.