Bonus Income Mortgages

Want to use your bonus income for a mortgage but struggling to find a lender? Speak to an expert advisor today

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Your home or property may be repossessed if you do not keep up with your mortgage repayments.

If you’re receiving regular bonuses, it’s worth finding a mortgage lender who takes bonus income into account

Maybe you’ve hit that big target you’ve been working on for months. Or perhaps you’ve been consistently delivering at the office and on the receiving end of a monthly bonus. Whatever the reason, bonuses can be a nice addition to your income when you’re searching for that perfect property.

If you’re in receipt of regular bonus income, it’s important to understand what mortgage lenders are going to assess and what they want to see before you submit your mortgage bonus income paperwork. Lenders are careful with bonuses, especially if they’re higher than your basic salary.

So what is acceptable to a lender when assessing a bonus income mortgage? Consistency is key. Most lenders will look to see if the bonus is consistent and sustainable, rather than a one off that’s not likely to be received again.

Bonus Income Mortgage
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Max
October 3, 2026
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We’ve used Oportfolio multiple times now and wouldn’t go anywhere else. They always provide excellent advice and are very proactive.
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Kelvin McMillan
October 2, 2026
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Very happy with the help and service I received getting our remortgage. Thank you!
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Sophie Breakwell
September 25, 2026
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Oliver, She-rel, Steve and the team are truly excellent. They have turned around my application, which was not straightforward due to being self-employed, quickly and efficiently. I could not be happier.
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Dimitrios Xenopoulos
September 17, 2026
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I had a very positive experience with Oportfolio throughout my first home purchase. From the beginning, the team was extremely responsive and supportive, and they took the time to explain the different options clearly, helping me identify the services and providers that were most appropriate at each stage. What particularly stood out was how quickly they managed to secure my mortgage. The speed at which this was arranged played a really important role in allowing my purchase to progress smoothly, particularly when timing became important towards the end of the process. I would especially like to thank Jade, who was fantastic throughout. She was always available when I needed guidance, responded promptly to my questions and made what could otherwise have been a complicated process feel much more straightforward. Overall, I felt very well supported from start to finish and would have no hesitation recommending Oportfolio to other first-time buyers.
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JA U
September 15, 2026
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Oliver and the team can’t do enough to help. They are on hand and responsive at all hours of the day and nothing is too much trouble. A 5 star service from a 5 star team!
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Irene Zanni
September 15, 2026
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Jade and the whole team at Oportfolio have been the easiest and most supportive part of buying our first property. It was incredibly reassuring to find people we could trust while navigating such a new and complicated process. They took the time to understand our circumstances, advised us at every stage and patiently answered all our questions. They were also incredibly quick in securing our mortgage offer and found us the best product for our needs. We’re so excited to complete and move into our forever home next week.. we couldn’t recommend them more!
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Stuart Matthews
September 9, 2026
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Faultless from beginning to end. Oli and his team are absolutely on it. Pro-active, communicative and just downright nice to boot. I could not recommend them more highly. I’ll be using them for any mortgage and remortgage needs from now on and recommending them to all of my friends.
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Sarah Meyer
September 3, 2026
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Great experience working with Oliver, Pharell and the team at Oportfolio! As a first time buyer they were both helpful in explianing their part of the process and quick to answer my questions or concerns
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Roger Andrews
September 1, 2026
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I was very impressed with the thoroughness of the service I received from Oportfolio. They examined all the various options open to me at my age and recommended a solution which was a perfect fit. I would recommend them to anyone who has a requirement for a non standard mortgage . Roger Andrews
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Colin Galbraith
August 28, 2026
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Third time I've been through the mortgage process and it gets easier every time. Remmea Moohan provides an excellent service - always on the ball, always into the details, and always lays out the info in plain English with the right level of detail and options laid out to enable solid decision to be made. Thanks Remmea and the team at Oportfolio for making what is a complicated process so much easier for making it all so slick from start to finish. If anyone is looking for a brand new mortgage, or options to renew, you can't really do better that Remmea! Thanks!
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Lotte Jackson
August 28, 2026
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Everyone at O’Portfolio was making! Remi and Pharrell were especially wonderful - they explained everything so well to us and really took the time! We felt incredibly looked after and our dealings with them were the only stress free part of the house buying! Thank you guys!
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sarah Thomson
August 26, 2026
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We had a great experience with Oportfolio. Pharell and Remmea were wonderful and really helped us in the process of buying our first home. Their communication was excellent throughout and secured us a great mortgage and life insurance. Highly recommend!
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Nikki Cairns
August 25, 2026
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Amazing customer service as always by Remmea O’Brien, nothing is ever a problem for her, she goes above and beyond to help out every time I contact her and she always makes sure we have the best products and prices available to us. We have been in contact with Remmea for several years now and wouldn’t go anywhere else. Highly recommended 💯
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Christina laird
August 25, 2026
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Reamma was very efficient getting a new mortgage for us. She prompted us when required and made the process run very smoothly. I hope to use her again when we require our next mortgage
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Antonia Tarnoy
August 25, 2026
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I had an exceptionally difficult time getting my purchase to complete, due to the persistent incompetence of the lender's solicitors and mistakes made on the seller's side. She-rel at Oportfolio worked her socks off to get the transaction over the line and was absolutely relentless. She was endlessly positive when I was in despair. I have no doubt that without her we would not have got to completion, that I would have lost my competitive mortgage offer and I would have had to obtain an offer at a much higher interest rate. I can't thank her, Oliver, Grace and the rest of the Oportfolio team enough!
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Toby Barrow
August 10, 2026
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A good business is one with fast lead times. Oliver and his team were very efficient and do not let you drop the ball. For this reason we were able to lock in a good rate before the market blew up again and rates increased.
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Lynn Childs
August 4, 2026
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We have used Oliver and his team for years when it comes to remortgaging. This time we worked with Pharell. He did a fantastic job at managing the process and ensuring everything ran smoothly.
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Phil Sexton
July 28, 2026
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Oportfolio have supported us for many years now and mostly recently on the purchase of our family home. Jade and the team were superb, as always, throughout this process. Accessing competitive rates and processing applications faster than expected. Their service continues to validate our choice in Oportfolio!
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Grace Wright-Arora
July 27, 2026
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Oliver and the team have been immensely helpful through the whole mortgage purchase. 1000% would recommend Oportfolio and work with them again, thank you all!!!
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Kate Rossini
July 24, 2026
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The best mortgage advisors out there. Creative, practical and professional- they are able to suggest and work through complex arrangements and innovative solutions as well as the more straightforward procedures. What stands out is their diligence in ensuring matters are tracked and monitored through to completion and importantly the ability to recognise potential issues, solve them and to make and implement solutions if products/ providers are no longer suitable- intervening to get the best outcome and monitoring rates and products through the whole process. I have nothing but admiration and gratitude to Oliver and his whole team and would strongly recommend Oportfolio as your go to mortgage advisor without hesitation.
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Naomi Cooper-Davis
July 15, 2026
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Jade and her team Grace and Pharell did a great job helping me to secure a remortgage for my property. This is my second time working with Jade but I have recommended her to others who all found the service impeccable. I had a lot of delays from the solicitors end and the team were very diligent in chasing my case and getting everything finished. Thank you Oportfolio!
Bonus Income Mortgage

Let Oportfolio find you the best mortgage lender for bonus income

When you start your journey for a mortgage, bonus income can really be a game changer as to how much you can borrow and what sort of property you can make your own. With a lot of experience in securing mortgages for high net-worth clients, who receive large bonuses as part of their income, we know exactly what to look out for to get the most out of your application.

Once you submit your income proof to our advisors, we will carefully assess the bonus being received and find the most appropriate lender for you, taking into consideration each lender’s individual stance on your bonus scenario. Let us help you get the most you can from a bonus income mortgage.

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