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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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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Sarah Meyer profile picture
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!
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Alex Peake
July 15, 2026
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I had an excellent experience working with Oliver Whitehead, Stephen Marsh and the rest of the Oportfolio team. They were knowledgeable, professional, and always available to answer my questions throughout the process. They took the time to explain all of my options clearly, found me a great mortgage that suited my needs. Their communication was outstanding, keeping me updated every step of the way, and they genuinely went above and beyond to ensure everything was completed on time. I highly recommend them to anyone looking for a reliable, trustworthy, and efficient mortgage broker.
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Jake
July 10, 2026
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I could not recommend this company enough! From start to finish Jade has been amazing at guiding us (FTB) through the process of not only the mortgage but the overall buying of our house. We have now found our home and or mortgage has been expertly handled by Jade all for a very reasonable fee. Amazing service!
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Matt Kilner
July 8, 2026
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Personable, attentive and excellent attention to detail. We have used Oliver and his team for all our mortgage needs over the last 10 years and every time they have delivered an expert and valuable service.
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Sam Ainslie
July 6, 2026
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Fantastic service!
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Megan Molloy profile picture
Megan Molloy
July 6, 2026
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I had the pleasure of being referred to Oliver by Beaufort Green as a first-time buyer, and I couldn't be happier with the service I received. Oliver secured the mortgage for my dream flat, and I'll be eternally grateful for his dedication and determination. He matched my tenacity every step of the way, working tirelessly to get everything over the line. I will continue to use his services for years to come and wouldn't hesitate to recommend him to anyone looking for a knowledgeable, committed mortgage adviser. A huge thank you as well to the rest of the Oportfolio team for all their help and support throughout the process. Grace's guidance made what could have been a stressful experience feel much more manageable. Many thanks, Megan
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Max
July 2, 2026
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Genuinely 5-star service
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Lucas Lazaro
June 19, 2026
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Working with Oliver and team was great, highly recommend. Professional, responsive and super supportive. Great for navigating these big life decisions.

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.

DOWNLOAD OUR LATEST BROCHURE

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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