Income Types and Mortgages
Not all income types are treated the same by lenders. We have advisors who specialise in different income situations and can help you find the lenders most likely to approve your application.
How Your Income Impacts A Mortgage Application
The source of your income can be very important when lenders are considering approving a mortgage application.
At Online Mortgage Advisor, we have advisors who specialise in non-standard income cases. They understand which lenders accept different income types, how to present your earnings clearly, and what documents you will need. This gives you a clearer idea of eligibility and helps maximise your chances of approval.
Our guide to income types contains everything you need to know before starting your mortgage journey. Acceptable forms of income vary between lenders, meaning it’s crucial to get the right advice and maximise your chance of approval by accessing a wide range of mortgage products.
We have a variety of guides exploring the viability of using different types of income for a mortgage application, such as income from a new job or earnings gained overseas. The type of contract you have is also important. We have guides to help those of you who are freelancers, temporary workers, and contractors.
“Not all lenders treat income in the same way. The key is knowing which ones are comfortable with your earnings and how to present your application. That’s where we can guide you.”
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Read our guides
Browse our income type guides to learn how lenders treat self-employed income, contracts, bonuses, overseas earnings, and more.
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Use our industry-leading comparison tool to view current products across the market. Filter for your income type.
Speak to an expert
Get matched with an advisor who specialises in your income type and knows which lenders are most likely to accept your application.
We have advisors who understand how different income types are assessed and can help you secure the right deal. Make an enquiry today.
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Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
In addition to your regular salary, many lenders will also consider other forms of income when assessing your mortgage application. This can include bonuses, commission, pension income, dividends from investments, rental income, and certain state benefits such as child benefit or disability allowance. Lenders may have different criteria, so it’s important to check what they accept.
This can vary by lender, but most lenders will not accept income from gambling, and many are reluctant to accept salary that is paid in cash without proper documentation. Additionally, irregular income sources that cannot be consistently verified, such as casual freelance work without contracts, may not be considered.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening. We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We secure the best deal with help from a specialist in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
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You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.