Variable income
Credit scores & reportsIncome that changes from month to month, such as overtime or commissions.
Overview
Lenders may average variable income over time.
Proof of consistency can be required.
Why it matters
- It affects affordability calculations.
- It can reduce borrowing limits if inconsistent.
- It may require additional evidence.
FAQs
Do lenders accept variable income?
Yes, but they often require a history of consistency.
How can I strengthen variable income evidence?
Provide longer income history and supporting documents.
Related terms
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