Reviewed 2026-07-13
Halifax visa & foreign national mortgage criteria
Accepts foreign nationals
Yes
Max LTV without ILR
up to 95% LTV
Minimum time left on visa
No
| Criteria | Verdict | Detail |
|---|---|---|
| Accepts foreign nationals | Yes | — Routes: 5+ years UK residency (no income test) OR 1+ year with income threshold; 75% LTV cap otherwise |
| Max LTV without ILR | Yes |
Via the 5-year or 1-year+income route; 75% cap if neither is met |
| Income requirement (foreign nationals) | Yes | — £50k sole / £75k joint for the 1-year-residency route (cut from £75k/£100k in Nov 2025) |
| Visa types accepted | Case-by-case | — |
| Minimum time left on visa | No | — No minimum remaining visa validity requirement |
| ILR (settled status) required | No | — Gated on residency length + income, not visa category or ILR |
| Deposit from overseas | Case-by-case | — |
| Foreign income accepted | Yes | — USD, EUR, AUD, INR, CHF; 20% haircut (10% on bonus) |
| Builder gifted deposit | Case-by-case | — |
| New-build max LTV | Yes |
|
| Max LTV (standard) | Yes |
Batch-31 data-quality flag (not a confirmed correction): this 85% figure is scoped to a narrow £570k-£600k loan-amount band on the source criteria page (filter=A) and is almost certainly NOT Halifax's standard residential max LTV — it's inconsistent with fn_max_ltv_without_ilr (95%, via the standard 5yr-residency/1yr+income route on the SAME lender) and with peer lenders' mortgage_max_ltv (typically 90-95%). Live re-verification attempted 2026-07-13 but the intermediaries site returned a service error rather than the criteria page, so this could not be corrected against a primary source. Left as-extracted; the ILR-unlock tool (src/lib/ilr-unlock.ts) treats any lender whose with-ILR LTV is below its non-ILR LTV as a data inconsistency and excludes it from the computed jump rather than shipping an inverted figure — do not remove that guard even if this value is edited later. |
Source: lender intermediary criteria, last verified 2026-07-13. Criteria change frequently — always confirm current policy with the lender or a broker.
Adviser's view
Halifax runs one of the cleanest foreign-national frameworks on the high street, and it got meaningfully better in late 2025 when the income thresholds were cut. There are two routes to its full lending range — up to 95% LTV — without ILR: five years' UK residency (no income test at all), or just one year's residency with income of £50k sole / £75k joint. Meet neither and you can still be considered, capped at 75% LTV. Notably, Halifax doesn't gate on visa category or time remaining on the visa at all — it's residency and income that matter.
The caveat is the same one that applies to every Halifax application: it's a credit-score lender above all else. Passing the framework above gets you scored, not approved, and a thin UK credit file is the most common reason a qualifying-on-paper visa applicant still disappoints. A year of sensible UK credit — current account, credit card, electoral roll where eligible — moves the odds more than most people expect.
The table above carries the verified positions; foreign-currency income is accepted in the major currencies with a haircut, which not all rivals offer.