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 2026-04-22. Information only — not advice.
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71 of 71 matching lenders for your situation
High Street Lenders
- Bank of Ireland— Up to 95% LTV, 100% 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
- HSBC— Up to 95% LTV, 60% of bonus counted
- Metro Bank— Up to 95% LTV, 60% of bonus counted
- Nationwide— Up to 95% LTV
- NatWest— Up to 95% LTV, 50% 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, 50% of bonus counted
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV, 75% of bonus counted
- Ecology Building Society— 50% of bonus counted
- Family Building Society— Up to 80% LTV
- Furness Building Society— Up to 95% LTV, 75% of bonus counted
- Godiva Mortgages— Up to 95% LTV, 50% 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, 50% 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
- 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— Up to 95% LTV, 100% of bonus counted
- Newbury Building Society— Up to 95% LTV, 50% 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— See lender criteria
- 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
- BM Solutions— Up to 80% LTV
- 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— See lender criteria
- 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— 100% of bonus counted
- 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.
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.
