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 2026-07-15. Information only — not advice.

Your situation

Deposit (% of property value)

Adverse credit (CCJ, default, DMP)?

69 of 69 matching lenders for your situation

High Street Lenders

Bank of Ireland— Up to 95% LTV, 50% of bonus counted
Barclays— Up to 95% LTV, 50% of bonus counted
Clydesdale Bank— Up to 95% LTV, 60% of bonus counted
Halifax— Up to 95% LTV
Metro Bank— Up to 95% LTV, 60% of bonus counted
Nationwide— Up to 95% LTV
NatWest— Up to 95% LTV, 100% of bonus counted
Santander— Up to 95% LTV, 100% of bonus counted
The Co-operative Bank— Up to 95% LTV, 50% of bonus counted
TSB— Up to 95% LTV, 60% of bonus counted
Virgin Money— Up to 95% LTV, 60% of bonus counted

Building Societies

Accord Mortgages— Up to 99% LTV, 60% of bonus counted
Bath Building Society— Up to 95% LTV, 50% of bonus counted
Buckinghamshire Building Society— Up to 90% LTV, 50% of bonus counted
Cambridge Building Society— Up to 95% LTV, 50% of bonus counted
Chorley Building Society— Up to 95% LTV, 100% of bonus counted
Coventry Building Society— Up to 95% LTV, 50% of bonus counted
Cumberland Building Society— Up to 95% LTV, 100% of bonus counted
Darlington Building Society— Up to 95% LTV (80% for London/M25 remortgage)
Dudley Building Society— Up to 90% LTV
Earl Shilton Building Society— Up to 95% LTV, 100% of bonus counted
Ecology Building Society— Green-gated lending only — every product requires the property to meet ecological/EPC criteria; LTV varies by product (Eco Home/Green Renovation 80%, Renovation 90%, Shared Ownership 95% of share)
Family Building Society— Up to 80% LTV
Furness Building Society— Up to 95% LTV, 75% of bonus counted
Hanley Economic Building Society— Up to 95% LTV, 100% of bonus counted
Harpenden BS— Up to 80% LTV
Hinckley & Rugby Building Society— Up to 95% LTV, 100% of bonus counted
Leek Building Society— Up to 95% LTV, 50% of bonus counted
Loughborough Building Society— Up to 95% LTV, 75% of bonus counted
Mansfield Building Society— Up to 95% LTV
Market Harborough Building Society— Up to 80% LTV, 100% of bonus counted
Marsden Building Society— Up to 95% LTV, 60% of bonus counted
Monmouthshire Building Society— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV, 100% of bonus counted
Newbury Building Society— Up to 95% LTV, 100% of bonus counted
Newcastle Building Society— Up to 95% LTV, 50% of bonus counted
Nottingham Building Society— Up to 95% LTV, 50% of bonus counted
Penrith Building Society— Up to 90% LTV, 50% of bonus counted
Principality Building Society— Up to 95% LTV, 100% of bonus counted
Progressive Building Society— Up to 95% LTV, 100% of bonus counted
Saffron Building Society— Up to 95% LTV, 50% of bonus counted
Scottish Building Society— Up to 95% LTV, 25% of bonus counted
Skipton Building Society— Up to 100% LTV, 100% of bonus counted
Stafford Railway Building Society— Up to 95% LTV, 100% of bonus counted
Suffolk Building Society— Up to 95% LTV, 75% of bonus counted
Teachers Building Society— Up to 95% LTV, 60% of bonus counted
The Melton Building Society— Up to 95% LTV (interest-only 60%, London 60%)
Tipton & Coseley Building Society— Up to 95% LTV, 50% of bonus counted
Vernon Building Society— Up to 95% LTV
West Bromwich Building Society— Up to 95% LTV, 100% of bonus counted

Specialist Lenders

Aldermore— Up to 95% LTV, 75% of bonus counted
Atom Bank— Up to 95% LTV, 70% of bonus counted
Bluestone Mortgages— Up to 90% LTV, 50% of bonus counted
Coutts— Up to 90% LTV
Cynergy Bank— Up to 90% LTV, 100% of bonus counted
Foundation Home Loans— Up to 90% LTV
Gatehouse Bank— Up to 80% LTV, 50% of bonus counted
Hodge Bank— Up to 95% LTV, 75% of bonus counted
Kensington Mortgages— Up to 95% LTV, 100% of bonus counted
LendInvest— Up to 90% LTV, 100% of bonus counted
Norton Home Loans— Up to 80% LTV
Pepper Money— Up to 85% LTV (75% above £750k)
Perenna— Up to 95% LTV, 70% of bonus counted
Precise Mortgages— Up to 95% LTV
Tandem Bank— Up to 90% LTV, 100% of bonus counted
The Mortgage Lender— Up to 95% LTV, 100% of bonus counted
Together— Up to 75% LTV
United Trust Bank— Up to 85% LTV, 50% of bonus counted
Vida Homeloans— Up to 97% LTV, 100% of bonus counted
West One Loans— Up to 97.5% LTV, 100% of bonus counted

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.

See what each of these lenders would actually offer you

No credit search, results in 2 minutes. Free for 9 lenders, £4.99 for the full 60+.

Run My Affordability Check

Frequently asked questions

How much of my bonus will the lender count?

Varies by lender and income type. Typical weightings: 50% (Barclays), 60% (Accord, HSBC, Halifax), 100% (NatWest, Skipton and Santander for regular, evidenced income). Halifax's standard allowance for bonus, commission and overtime is 60% — only genuinely guaranteed or contractual income approaches 100%, and discretionary bonus is usually taken at 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.