Which UK Lenders Use 100% of Your Bonus, Commission and Overtime?
Most UK lenders accept variable income (bonus, commission, overtime) but usually count only 50-75% of the averaged figure. A handful count 100%, which can add £30,000-£60,000 to your maximum borrowing.
Data refreshed 2026-05-03. Information only — not advice.
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High Street Lenders
- Bank of Ireland— Up to 95% LTV, 100% of bonus, overtime & commission
- Barclays— Up to 95% LTV, 50% of bonus, overtime & commission
- Clydesdale Bank— Up to 95% LTV, 60% of bonus, overtime & commission
- Halifax— Up to 95% LTV, accepts bonus, overtime & commission (keyed separately)
- HSBC— Up to 95% LTV, 60% of bonus, overtime & commission
- Metro Bank— Up to 95% LTV, 60% of bonus, overtime & commission
- Nationwide— Up to 95% LTV, accepts bonus, overtime & commission (averaged from payslips)
- NatWest— Up to 95% LTV, 50% of bonus, 100% of overtime & commission
- Santander— Up to 95% LTV, 100% of primary BOC (lowest of last 3 mths × 12); 70% secondary
- The Co-operative Bank— Up to 95% LTV, 50% of bonus, overtime & commission
- TSB— Up to 95% LTV, BOC keyed at 100% but capped at 60% for affordability
- Virgin Money— Up to 95% LTV, 60% of bonus, overtime & commission
Building Societies
- Accord Mortgages— Up to 99% LTV, 60% of bonus, overtime & commission
- Bath Building Society— Up to 95% LTV, 50% of bonus & overtime, 100% of commission (2yr+ track)
- Buckinghamshire Building Society— Up to 90% LTV, 50% of bonus, up to 100% of overtime & commission
- Cambridge Building Society— Up to 95% LTV, 50% of bonus, overtime & commission
- Chorley Building Society— Up to 95% LTV, 100% of bonus, 75% of overtime, 100% of commission
- Coventry Building Society— Up to 95% LTV, 50% of bonus, overtime & commission
- Cumberland Building Society— Up to 95% LTV, 100% of bonus, overtime & commission
- Darlington Building Society— Up to 95% LTV, accepts bonus, overtime & commission
- Dudley Building Society— Up to 90% LTV, accepts bonus, overtime & commission
- Earl Shilton Building Society— Up to 95% LTV, 75% of bonus, overtime & commission
- Ecology Building Society— 50% of discretionary bonus (100% guaranteed); 100% of overtime & commission
- Family Building Society— Up to 80% LTV, 50% of regular bonus, overtime & commission
- Furness Building Society— Up to 95% LTV, 75% of bonus, overtime & commission
- Godiva Mortgages— Up to 95% LTV, 50% of bonus, overtime & commission
- Hanley Economic Building Society— Up to 95% LTV, 100% of bonus, overtime & commission with 2yr+ employer (50% otherwise)
- Harpenden BS— Up to 80% LTV, 100% of bonus, overtime & commission with 2yr+ evidence (50% otherwise)
- Hinckley & Rugby Building Society— Up to 95% LTV, 50% of bonus, overtime & commission
- Leek Building Society— Up to 95% LTV, 50% of bonus, overtime & commission
- Loughborough Building Society— Up to 95% LTV, 75% of BOC below 80% LTV (50% above)
- Market Harborough Building Society— Up to 80% LTV, 100% of contractually guaranteed BOC (75% non-contractual)
- Marsden Building Society— Up to 95% LTV, 60% of bonus, overtime & commission
- Monmouthshire Building Society— Up to 95% LTV, 100% of regular BOC (50% non-regular bonuses)
- Newbury Building Society— Up to 95% LTV, 50% of bonus & overtime (commission not in criteria)
- Newcastle Building Society— Up to 95% LTV, 50% of bonus, 80% of overtime & commission
- Nottingham Building Society— Up to 95% LTV, 50% of bonus, overtime & commission
- Penrith Building Society— Up to 90% LTV, 50% of bonus, overtime & commission
- Principality Building Society— Up to 95% LTV, 100% of bonus, overtime & commission (regular, 2yr+)
- Progressive Building Society— Up to 95% LTV, 100% of regular BOC (50% irregular)
- Saffron Building Society— Up to 95% LTV, 50% of bonus, overtime & commission (75% if 2yr+)
- Scottish Building Society— Up to 95% LTV, BOC up to 25% of basic salary
- Skipton Building Society— Up to 100% LTV, accepts bonus, overtime & commission (variable income)
- Stafford Railway Building Society— Up to 95% LTV, up to 100% of bonus, overtime & commission
- Suffolk Building Society— Up to 95% LTV, 75% of bonus & commission, 50% of overtime
- Teachers Building Society— Up to 95% LTV, 75% of bonus (60% non-FS), 60% of overtime & commission
- The Melton Building Society— 50% of regular bonus, overtime & commission
- Tipton & Coseley Building Society— Up to 95% LTV, 50% of bonus & overtime, 100% of commission (refer if commission-only)
- Vernon Building Society— Up to 95% LTV, bonus & overtime accepted, 50% of commission
- West Bromwich Building Society— Up to 95% LTV, 100% of monthly BOC (50% of less-frequent regular)
Specialist Lenders
- Aldermore— Up to 95% LTV, 75% of bonus, 100% of overtime, 75% of commission
- Atom Bank— Up to 95% LTV, 70% of bonus, overtime & commission
- Bluestone Mortgages— Up to 90% LTV, 50% of bonus, overtime & commission (100% if guaranteed)
- BM Solutions— Up to 80% LTV, accepts regular bonus, overtime & commission
- Coutts— Up to 90% LTV, bonus / carried interest / equity accepted (HNW)
- Cynergy Bank— Up to 90% LTV, 100% of bonus only (overtime/commission not in policy)
- Foundation Home Loans— Up to 90% LTV, accepts bonus, overtime & commission (3-mth payslips)
- Gatehouse Bank— Up to 80% LTV, 50% of regular bonus (100% guaranteed); 100% of overtime & commission
- Generation Home— Up to 95% LTV, 50% of commission (bonus/overtime not stated)
- Hodge Bank— Up to 95% LTV, 75% of bonus; up to 100% of overtime & commission (12-mth track)
- Kensington Mortgages— Up to 95% LTV, 100% of bonus, overtime & commission (strong credit)
- LendInvest— Up to 90% LTV, up to 100% of bonus, overtime & commission
- Norton Home Loans— Up to 80% LTV, accepts consistent bonus, overtime & commission
- Pepper Money— 100% of bonus, overtime & commission (Strong tier)
- Perenna— Up to 95% LTV, 70% of bonus, overtime & commission
- Precise Mortgages— Up to 95% LTV, accepts annualised bonus, overtime & commission
- Tandem Bank— Up to 90% LTV, accepts consistent overtime & bonus (lower of last tax year)
- The Mortgage Lender— Up to 95% LTV, 100% of bonus, overtime & commission (75% if loan > £1m)
- Together— 100% of monthly bonus only (overtime/commission not stated)
- United Trust Bank— Up to 85% LTV, 50% of bonus, overtime & commission
- Vida Homeloans— Up to 97% LTV, 100% of bonus & commission, 75% of overtime
- West One Loans— Up to 97.5% LTV, up to 100% of bonus, overtime & commission
Why some lenders say no
- Most lenders cap variable income at 50-75% of the averaged figure as a safety margin.
- Guaranteed / regular commission or overtime is counted more generously than discretionary.
- Lenders typically average the last 2-3 years of P60s, not just the most recent year.
Related reading: Overtime, bonus & commission — full guide · Why your DIP came in lower than expected
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Run My Affordability CheckFrequently asked questions
How much of my bonus will the lender count?
Varies by lender and income type. Typical weightings: 50-60% (Accord, Santander), 75-100% (Halifax, HSBC, Barclays for guaranteed income). Discretionary bonus usually 50%.
Do I need 3 years of bonus history?
Most lenders need 2 years minimum, using an average. Some use the lower of the last year or 2-year average (to be conservative). A few accept 1 year with strong employer guarantee.
Does regular overtime count as basic salary?
With some lenders, yes — if overtime is guaranteed and paid every month at consistent level, it can be treated as part of basic salary. More common in NHS / emergency services / manufacturing.
What about one-off bonuses?
Rarely counted. Most lenders want to see the bonus paid in at least 2 of the last 3 years to treat it as sustainable income.
