Mortgage for Commission-Based Income

Is your income based heavily on commission? Our advisors are highly experienced in finding the best mortgage for commission based income on the market

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389 reviews

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

Best mortgage lender for commission-based income

When you are a successful business professional, making sure you hit your targets and receive your commission is essential. So why should you be penalised for achieving your goals when getting a mortgage with commission income?

Sometimes a job makes more sense to be commission based. Jobs in sales for example, are structured so that you can earn as much money as you like if you put the work in. Some lenders, however, can be wary of commission based jobs and can unfairly criticise cases if they aren’t positioned in the correct way.

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Emily Wood
30 October 2026
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Jade and Pharell have been absolutely brilliant to work with.
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Anne Fergus
30 October 2026
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I would like to say a huge thank you to Oliver and the team at Oportfolio Mortgage Brokers for arranging my mortgage so quickly and smoothly. The entire process was handled in record time, and I couldn't be happier with the service I received. I would also like to give special recognition to Pharell, who was professional, extremely responsive, and proactive throughout the process. His communication was excellent from start to finish, and he is a real asset to the company. Thank you once again to everyone involved for making what could have been a stressful experience so straightforward and efficient. I highly recommend Oportfolio Mortgage Brokers to anyone looking for outstanding service and support.
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Simon Bainbridge
28 October 2026
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Can't recommend higher! I had a slightly complex set of needs because I'm self employed and was buying a second home. Oportfolio found me a great product, really helped with my tax planning and were great with updates all the way through the case progressing
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Chanelle Creasey
27 October 2026
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Always a fantastic experience from Oliver and the team at Oportfolio. Great customer service, very quick to respond and a wealth of experience. Thanks again all
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Tom Frost
26 October 2026
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I had a fantastic experience working with Oliver at Oportfolio as a first-time buyer. He was incredibly efficient, supportive and knowledgeable throughout the whole process, making the experience feel very straightforward. Oliver took the time to explain everything clearly, answer all my questions and make sure I felt comfortable and confident with each step. I never felt rushed, and I really appreciated how approachable and patient he was throughout. As a first-time buyer, having someone who genuinely takes the time to guide you through the process makes such a difference. I’m really grateful for all his help and would highly recommend Oliver and Oportfolio to anyone looking for a mortgage broker, especially if you’re buying your first home!
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Matthew Gordon
26 October 2026
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They found me a great deal at a time where I was worried I might not be able to find any deal at all. There were a few complications along the way with conveyancing solicitors and Oportfolio were there to support and help keep things moving. Excellent all round service.
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Liv Mck
20 October 2026
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Oportfolio Mortgage Brokers have been exceptional at guiding us through the process of home ownership. From the initial call they provided us with valuable information and over the course of the process secured the best rates. The team here were great for contacting and happy to answer any questions. Would highly recommend to friends and family going fourth.
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Tom Price
20 October 2026
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Oportfolio were incredibly helpful with our mortgage - thanks to the help of Grace, Steve and Oliver we were able to get an mortgage offer in record time. They were incredibly supportive throughout and even found a better offer mid-way through the process. Would highly recommend to any searching.
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Alice Jonathan
16 October 2026
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Oliver and the brilliant team at Oportfolio helped us with our mortgage for our first house purchase in London, and for the past five years they’ve looked after every remortgage since with the same excellent service and value for money. They know the market inside out - Oliver always seems to know which lenders are worth a look at any given moment, and the deals we’ve ended up with have been very competitive. Their advice has always been honest, insightful, practical and trustworthy too. They’ve also been really flexible, whether our timings shifted or our plans changed. Five years on, it still feels like dealing with a really friendly group of people who are on our side. We highly recommend Oliver and the team to anyone buying or remortgaging in London. Thank you Oportfolio!
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Ale Luzzi
8 October 2026
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We had a really good experience with Oportfolio throughout our house purchase. It was a very long process, but the team was always helpful, responsive and happy to answer our questions along the way. What we particularly appreciated was how proactive they were in regularly reviewing mortgage rates throughout the process. Thanks to their efforts, we ended up securing a better rate than those available on the market at the time of completion! A special thank you to Jade and Grace for their patience, professionalism and support throughout the whole process.
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Max
3 October 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
2 October 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
25 September 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
17 September 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
15 September 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
15 September 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
9 September 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
3 September 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
1 September 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
28 August 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
28 August 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!

Getting a mortgage with commission income

With any heavily commissioned job consistency is always essential to mortgage lenders when they are assessing the risks of your application. Mortgage lenders will normally take your guaranteed base salary as it is show either on your pay slip or contract of employment however your commission is treated a little differently.

In order for a mortgage lender to take in to account your commission they will normally need to see a minimum of 3 months pay slips showing your commission earnings on every one. The lender will then usually calculate an average of the last three months earnings and use this figure, but this assessment can get more complex depending on the lender.

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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.

Oportfolio Brochure

What we can offer as a commission income mortgage specialist

Often lenders will have different ways of looking at your commission income, for example some lenders will use all your commission income for affordability whereas some will only use 50% of it and others will cap the acceptable income if it is higher than your basic salary. That’s why we at Oportfolio are committed to finding you the best mortgage lender for commission based income around. Our experienced advisors will personally look at your earnings and will make informed decisions on the best lender and best product for your own circumstances that won’t leave you falling short.

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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