Employed mortgages

As an employed applicant, getting a mortgage should be simple — but it often isn’t. Some lenders take basic salary only, some will use overtime, commission, or bonuses, and others apply strict rules around how consistent or  guaranteed those extras need to be. Two lenders can look at the same payslip and offer completely different borrowing amounts.

This is where people often get caught out. Irregular bonuses, changing roles, probation periods, zero‑hour contracts, variable overtime, or income that’s grown quickly can all cause lenders to hesitate. Choose the wrong one and you can end up being offered far less than you expected, or declined altogether — not because you can’t afford the mortgage, but because your income wasn’t interpreted properly.

We specialise in helping employed clients secure the best mortgage they’re eligible for. We understand how each lender treats different types of income, what they’ll accept, and how to position your employment history so it reflects your true earning power.

You get clear, tailored advice from someone who knows how to make your income work for you. No stress, no confusion, and a mortgage offer that reflects your real affordability — not the most conservative version of it.

Your home may be repossessed if you do not keep up repayments on your mortgag

07813767348

david@tiptopltd.uk