Which UK Lenders Accept Tips / Tronc Income?
54 UK lenders count tronc (pooled tips paid through payroll) towards mortgage affordability. It's usually treated like commission — variable income, evidenced on payslips, with anywhere from 50% to 100% counted depending on the lender.
Data refreshed 2026-07-06. Information only — not advice.
Your situation
High Street Lenders
- AIB— Up to 95% LTV
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- NatWest— Up to 95% LTV
- The Co-operative Bank— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Accord Mortgages— Up to 99% LTV
- Cambridge Building Society— Up to 95% LTV
- Chorley Building Society— Up to 95% LTV
- Coventry Building Society— Up to 95% LTV
- Cumberland Building Society— Up to 95% LTV
- Darlington Building Society— See lender criteria
- Dudley Building Society— Up to 90% LTV
- Family Building Society— Up to 80% LTV
- Furness Building Society— Up to 95% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV
- Monmouthshire Building Society— Up to 95% LTV
- Newbury Building Society— Up to 95% LTV
- Nottingham Building Society— Up to 95% LTV
- Principality Building Society— Up to 95% LTV
- Progressive Building Society— Up to 95% LTV
- Saffron Building Society— Up to 95% LTV
- Scottish Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- Teachers Building Society— Up to 95% LTV
- The Melton Building Society— See lender criteria
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- Atom Bank— Up to 95% LTV
- CHL Mortgages— Up to 75% LTV
- Coutts— Up to 90% LTV
- Foundation Home Loans— Up to 90% LTV
- Gatehouse Bank— Up to 80% LTV
- Generation Home— Up to 95% LTV
- Kensington Mortgages— Up to 95% LTV
- Legal & General Home Finance— Up to 60% LTV
- Molo Finance— Up to 80% LTV
- Paragon Bank— See lender criteria
- Pepper Money— See lender criteria
- Perenna— Up to 95% LTV
- Rely Mortgages— Up to 75% LTV
- Skipton International— Up to 75% LTV
- The Mortgage Lender— Up to 95% LTV
- The Mortgage Works— Up to 80% LTV
- Together— See lender criteria
- United Trust Bank— Up to 85% LTV
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV
Why some lenders say no
- Tronc is variable income, so lenders treat it like bonus or commission — most want 3-12 months of history and many only count a percentage of it.
- It must appear as a separate line on your payslips (or a troncmaster statement). Tips paid in cash and not put through PAYE can't be evidenced, so no lender will count them.
- A few lenders decline tronc outright because the amount isn't contractually guaranteed, and several more treat it strictly case-by-case.
Related reading: Overtime, bonus and commission income · Lender income multiples
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Run My Affordability CheckFrequently asked questions
What's the difference between tronc and cash tips?
Tronc is a formal scheme where pooled tips and service charges are distributed by a troncmaster and taxed through PAYE, so it shows on your payslips and P60. Cash tips handed to you directly and not declared can't be evidenced, and lenders won't count them. If your employer runs a tronc scheme, ask for it to be itemised separately on your payslip.
How do lenders evidence tronc income?
Typically 3 months of payslips showing tronc as a separate line, and often the latest P60 to confirm the annual figure. Some lenders average the last 3-12 months; app-based tip platforms' "tip share" statements are accepted by some lenders as supporting evidence.
How much of my tronc will count?
It varies. Some lenders count 100% of a consistent tronc average, while many apply the same haircut they use for commission — often around 50-60%. Because the treatment differs so much, the same payslips can support noticeably different loan sizes at different lenders.
Does it matter that tronc isn't guaranteed?
Lenders know hospitality pay is part-variable, which is exactly why tronc is assessed like bonus or commission rather than basic pay. A steady 12-month track record in the same job strengthens the case; a recent job change with no tronc history yet is the most common reason it gets excluded.
