Halifax counts full annual income in mortgage checks for eligible doctors and dentists

Created Nov 10, 2026 • AI-generated summary

From 9 November 2026, Halifax Intermediaries counts the full annual income of eligible resident doctors, locum doctors and associate dentists in mortgage affordability assessments, moving away from contractor calculations that typically annualised income over 46 weeks. Eligible applicants are now assessed on the same basis as permanently employed borrowers, mirroring how Halifax and Lloyds assess nursing bank staff. Halifax expects no material process changes; applications remain subject to affordability checks and lending criteria. Membership limited to coverage of this specific Halifax criteria change effective 9 November 2026.