Commission & Bonus Income Mortgages
Many earners rely heavily on commission, bonuses, or overtime. Some lenders may consider up to 100% of eligible variable income, depending on their current criteria and the evidence available.
Using Commission & Bonus Income for a Mortgage
If a significant portion of your earnings comes from commission, bonuses, or overtime, getting a mortgage can feel frustrating. Many lenders only use 50% of variable income, or ignore it entirely. But others will use up to 100% of your average commission and bonus earnings over 1–3 years, significantly increasing how much you can borrow. Some lenders even offer 5× salary mortgages when variable income is included. Whether you're a first-time buyer or looking to remortgage, we'll maximise your borrowing power.
- Some lenders may consider up to 100% of eligible commission and bonus income
- Average calculated over 1, 2, or 3 years depending on lender
- Overtime, shift allowances & car allowances also considered
- Your initial mortgage consultation is free. If you proceed, a broker fee may apply depending on case complexity — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). Any fee is disclosed at research stage and agreed in writing before any chargeable work begins.
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How Lenders Assess Commission Income
Each lender treats commission differently. Some may use part of an average while others may consider more, depending on their current criteria and the evidence available. We compare the approaches available through our panel to identify options that fit your circumstances.
Types of Variable Income Accepted
Beyond commission, lenders may also consider regular overtime, performance bonuses, shift allowances, location allowances, car allowances, and guaranteed bonuses. The key is proving the income is regular and likely to continue.
What Evidence Do You Need?
You'll typically need 1–3 years of P60s, recent payslips showing commission/bonus breakdowns, and potentially an employer's letter confirming the variable pay structure is ongoing. The more documentation you can provide, the stronger your application.
Commission & Bonus Income Mortgages — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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