Bonus Income Mortgages

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

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
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.


At Oportfolio, we love inspiring people and helping you to achieve your dreams - buying your own home, making the most of your existing finances, or investing in other properties.

We can help you find the right mortgage because our standing in the London market allows us to get access to the most competitive rates from a multitude of lenders.

To find out more, we invite you to download our latest brochure.

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We strive for the highest standards of client care and are committed to offering tailored mortgage, insurance and personal protection policies that match the unique aspirations of every single client.

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