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Some mortgage lenders happy to accept bonus income

Some mortgage lenders are much happier to accept bonus income as part of a mortgage application than others. The banks and building societies acceptance criteria ranges typically from 50% of a bonus to - to nothing at all.

Trinity Financial has access one bank that is particularly generous and they will take 60% of any annual bonus into consideration. The lender has competitive rates and a premier underwriting team.

Aaron Strutt, a broker at Trinity Financial, says: "Many lenders will want to see proof of up to three-years bonus income and then they will only take 50% of it into account. The least generous lender has to be the Coventry Building Society as they will not take any annual bonus into consideration."

Less generous mortgage lenders include:


  • Coventry Building Society will not take annual bonus payments into consideration.

  • HSBC may require up to three years proof of bonuses and then they will only take 50% in to account.

  • ING Direct does not take annual bonuses into consideration at all, only monthly bonuses can be used on top of a basic salary on a mortgage application.


If you get a bonus built into your salary and you are looking for a leading mortgage lender, call us on 020 7016 0790.

February 28, 2013

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To arrange a meeting with one of our expert mortgage advisers complete our enquiry form and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

020 7016 0790 enquiries@trinityfinancialgroup.co.uk