Bonus and Commission Income Mortgages

Fast Decisions

Holistic Approach

Up to 6 x Income

Projections Possible

100% Bonus & Commission Allowed


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Bonus and Commission Income Mortgages

It was quite an easy decision to make….the run of the mill mortgage brokers really were not going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too.
Joe Crosby, Golders Green

Typically, clients we successfully assist who have significant bonus income or commission payments tell us of the difficulty they have experienced in trying to arrange the most competitive mortgage finance. Often they express their frustration in finding an appropriate lender, given many deem both bonus and commission as unpredictable. They see the thousands of mortgages advertised nationally, the different comparison websites, direct lender deals and all the numerous brokers but are unsure whether the lenders will accept the full amount of their bonus or other ancillary income. They usually know there are a wide range of products available, but may be concerned by all the additional charges made by lenders, increasing the overall costs on a mortgage deal. They more often than not, have undertaken their own detailed homework but are sometimes left unsure how to conclude their mortgage search. Clients we help in similar situations, typically tell us of their annoyance at the range of different lending criteria and wish to understand whether the structure of their bonus or commission qualifies them for a specific deal. They are aware that Different lenders have a variety of policies relating to how they categorise bonus and commission and base their decision on whether it is discretionary, performance related or contractual. Views on this type of income vary between lenders, mortgage type, industry, the length as well as the history of payment.

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