Created Nov 10, 2026 • AI-generated summary
From 9 November 2026, Halifax Intermediaries relaxed its affordability assessment for resident doctors, locum doctors and associate dentists so their full annual income is considered. Previously these borrowers were typically assessed using contractor affordability calculations annualising income over 46 weeks; eligible applicants will now be assessed in the same way as permanently employed customers. Halifax said the change reflects how some medical professionals earn their income, reduces barriers to mortgages and aligns with how Halifax and Lloyds already treat nursing bank staff. Membership limited to coverage of this specific Halifax criteria change effective 9 November 2026; other Halifax developments are distinct stories.
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Halifax updates affordability rules for doctors and dentists
Mortgage Strategy
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Nov 10, 2026
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