Income-based mortgage calculators
Lenders don't treat all income the same. Bonus, overtime, second job and self-employed income are all weighted differently — model each here.
Salary to mortgage calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More income calculators
Self-employed income calculator
SA302 / tax year overview averaging: 2-year vs. latest-year figures.
Multiple income calculator
PAYE + rental + freelance + investment — which lenders combine what.
Bonus income calculator
Guaranteed vs. discretionary bonus, and the 50% / 100% lender split.
Overtime affordability calculator
Regular vs. occasional overtime, averaged from 3–12 months of payslips.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
Do UK lenders count bonuses towards a mortgage?
Yes — usually 50% of a 2- or 3-year average. Some lenders take 100% of a guaranteed contractual bonus with two years' history.
Can I use a second job for a UK mortgage?
Yes — most lenders accept a second job after 6–12 months in the role, though a smaller pool will consider it from month one.
How much can I borrow on a £50,000 salary in the UK?
At 4.5× that's £225,000. At 5× (professional or high LTV) £250,000. At 5.5× (for eligible earners) £275,000. Debts and dependants will bring this down.
Do UK lenders accept overtime for a mortgage?
Yes — typically 50% of a 3–12 month average. Regular guaranteed overtime is often taken at 100% by high-street lenders like Halifax and Nationwide.
Are dividends counted as income for a UK mortgage?
Yes — 2 years of ltd company director salary + dividends is the standard. Some lenders will use retained profit + salary instead, boosting borrowing for growing companies.
Do child benefit or Universal Credit count as UK mortgage income?
Child benefit — yes, most lenders take it if the child is under 13. Universal Credit — many lenders now accept it in whole or part. A specialist broker will place you with the right lender.
Do zero-hours contracts qualify for a UK mortgage?
Yes, with 12 months' history and evidence of consistent hours. Nationwide, Halifax and several specialists lend on zero-hours income using a 12-month average.