Which UK Lenders Accept Tips / Tronc Income?
48 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.
As of 2026-09-13, published criteria from 48 of the 76 UK lenders whose published criteria we track can accommodate this scenario — 11 high-street, 23 building societies and 14 specialist — with minimum deposits from 2.5%.
Data refreshed 2026-09-13. Information only — not advice.
Your situation
High Street Lenders
- AIB— Up to 95% LTV
- Barclays— Up to 95% LTV
- Co Operative Bank— Up to 95% LTV
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV
- Natwest— Up to 95% LTV
- Santander— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Accord— Up to 95% LTV (its 99% £5k Deposit product is first-time-buyer only and excludes new builds)
- Cambridge BS— Up to 95% LTV
- Chorley BS— Up to 95% LTV
- Coventry BS— Up to 95% LTV
- Cumberland BS— Up to 95% LTV
- Darlington BS— Up to 95% LTV (80% for London/M25 remortgage)
- Dudley BS— Up to 90% LTV
- Family BS— Up to 80% LTV
- Furness BS— Up to 95% LTV
- Hinckley Rugby BS— Up to 95% LTV
- Melton BS— Up to 95% LTV (interest-only 60%, London 60%)
- Monmouthshire BS— Temporarily paused — not accepting new residential applications while they upgrade their systems. Previously: Up to 95% LTV
- Newbury BS— Up to 95% LTV
- Nottingham BS— Up to 95% LTV
- Principality— Up to 95% LTV
- Progressive BS— Up to 95% LTV
- Saffron BS— Up to 95% LTV
- Scottish BS— Up to 95% LTV
- Skipton— Up to 95% LTV (its 100% Track Record product is clean-credit only)
- Teachers BS— Up to 95% LTV
- Tipton Coseley BS— Up to 95% LTV
- Vernon BS— Up to 95% LTV
- West Brom— Up to 95% LTV
Specialist Lenders
- Atom Bank— Up to 95% LTV
- Coutts— Up to 90% LTV
- Foundation— Up to 90% LTV
- Gatehouse— Up to 95% LTV
- Generation Home— Up to 95% LTV
- Kensington— Up to 95% LTV
- LG Home Finance— Up to 60% LTV
- Pepper— Up to 90% LTV
- Perenna— Up to 95% LTV
- The Mortgage Lender— Up to 95% LTV
- Together— Up to 75% LTV
- UTB— Up to 95% LTV
- Vida— Up to 97% LTV
- West One— Up to 97.5% LTV
A lender name is only half the answer — the amount each might lend varies by tens of thousands — our figures are conservative estimates, not offers.
See your figuresWhy 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
See an estimate of what each of these lenders might lend you
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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.
