Net income
Credit scores & reportsYour income after tax, National Insurance, and other deductions.
Overview
Net income shows how much money you actually receive.
It is used to assess monthly affordability.
Why it matters
- It affects how much you can repay each month.
- It is central to budgeting and affordability.
- It can determine eligibility limits.
FAQs
Is net income the same as disposable income?
No. Disposable income is what is left after essential spending.
Do lenders check net income?
Yes, often through payslips and bank statements.
Related terms
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