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

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.

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.


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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