Paid in another currency? Here's what each lender counts
Based on verified foreign-national lending criteria (verified 2026-07-13), see how much of your foreign-currency income each of the 10 lenders we track will actually use in their affordability assessment.
This is an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee any lender will lend to you.
Worked example: $80,000 US salary (≈£63,000)
Paid $80,000 a year in the US, entered as a £63,000 GBP equivalent.
Your income counts as anywhere from £0 to £63,000 depending on the lender.
- NatWest: counts 100% — £63,000 usable, roughly £283,000 indicative borrowing on that income alone.
- Halifax: counts 80% — £50,400 usable, roughly £226,000 indicative borrowing on that income alone.
- Santander: counts 75% — £47,300 usable, roughly £212,000 indicative borrowing on that income alone.
Change the inputs below to model your own numbers.
Dubai-based earner: AED 250,000 (≈£54,000)
Paid AED 250,000 a year in the UAE, entered as a £54,000 GBP equivalent — a currency several lenders don't accept at all.
Your income counts as anywhere from £0 to £54,000 depending on the lender.
- NatWest: counts 100% — £54,000 usable.
- Santander: counts 75% — £40,500 usable.
Halifax doesn't accept AED at all, even though it accepts USD and EUR — currency coverage varies lender by lender, not just by country of employment.
Change the inputs below to model your own numbers.
Enter today's £ equivalent — check a live rate on your banking app; we deliberately don't guess exchange rates.