Overtime income
Credit scores & reportsExtra earnings from working hours beyond your contracted hours.
Overview
Overtime may be counted if it is regular and consistent.
Some lenders only count a portion of overtime income.
Why it matters
- It can increase borrowing capacity if accepted.
- It can be discounted if irregular.
- It affects affordability calculations.
FAQs
Will lenders use overtime income?
Often yes, if it is consistent over time.
Do I need proof of overtime?
Yes. Payslips and statements are usually required.
Related terms
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