Can I use 100% of my commission for a mortgage?

Yes — some lenders will use 100% of your average commission income. Others use 50%. We'll match you with the lender that maximises your borrowing based on your specific income breakdown.

How far back do lenders look at commission?

Typically 1–3 years. Some lenders only need 12 months of evidence, while others want a 2–3 year track record. We'll find the best option for your circumstances.

What if my commission has decreased recently?

Some lenders will use the average over 2–3 years, which smooths out any recent dips. Others focus on the most recent year. We'll find the most favourable approach for your situation.

Commission & Bonus Income Mortgages

Many earners rely heavily on commission, bonuses, or overtime. We know which lenders use 100% of your variable income — not just your basic salary.

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.

Lenders who use 100% of commission & bonus income
Average calculated over 1, 2, or 3 years depending on lender
Overtime, shift allowances & car allowances also considered
100% fee-free advice — we're paid by the lender
Access to 90+ lenders for the best rates

Step 2 of 4

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Annual Household Income (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

How Lenders Assess Commission Income

Each lender treats commission differently. Some take 50% of your average commission over 2 years. Others take 100% of a 1-year average, or the lower of the last 2 years' figures. The difference can mean tens of thousands in borrowing power. We know exactly which lender will maximise your affordability.

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.