Bonus income
Credit scores & reportsExtra pay received as a bonus on top of basic salary.
Overview
Bonuses are often treated as variable income.
Lenders may average bonuses over several years.
Why it matters
- It can improve affordability if accepted.
- It may be discounted if irregular.
- It affects borrowing calculations.
FAQs
Will a bonus count toward affordability?
Often yes, but lenders may only count part of it.
How many years of bonuses are needed?
It varies, but lenders often look at 2 to 3 years.
Related terms
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