If part of your income comes from commission, bonuses, or overtime, getting a mortgage can feel more complicated — but it doesn’t have to be. Many lenders will consider variable income, as long as it’s consistent and proven.
Let’s break down how it works, and how to boost your chances of approval.
💡 Will Lenders Accept Bonuses or Commission?
Yes — but not all lenders treat it the same.
Some will accept 100% of your bonuses or commission, others may only count 50%, and some might ignore it altogether. That’s why it’s so important to work with a broker who knows which lenders are flexible.
🧾 What Will Lenders Look At?
- How often you receive bonus/commission
- The average over the last 6–12 months (or 2–3 years)
- If it’s guaranteed, contractual, or discretionary
- Whether it’s shown on payslips and P60s
- Your industry and role stability
📁 What Documents Might You Need?
✅ 3–12 months of payslips
✅ A P60 (or 2–3 years if you’re self-employed)
✅ A letter from your employer confirming your pay structure
✅ Bank statements showing regular payments
The more consistency and paperwork you have, the better your chances.
🧠 Can You Use Projected Bonuses?
Some lenders might consider future bonus potential, especially if you’ve recently started earning more. But most will still want historic evidence before including it fully in affordability checks.
💬 Paid on Results? You Can Still Get Approved
Bonuses and commission don’t have to be a roadblock. With the right documents and the right lender, you can still get the mortgage you need.
✅ Get your full income considered
✅ Match with bonus-friendly lenders
✅ Expert advice from a broker who gets how you’re paid