--- title: "Salary to Mortgage Calculator UK 2026 — Bonus & Overtime Included | First Rung Now" description: "Free UK salary to mortgage calculator (2026). Convert basic pay, bonus and overtime into a realistic maximum loan using UK lender income multiples." lang: en-GB json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "First Rung Now", "url": "https://firstrungnow.com", "description": "Independent UK mortgage education and broker matching service.", "address": { "@type": "PostalAddress", "addressCountry": "GB" } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "First Rung Now", "url": "https://firstrungnow.com" }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Do UK lenders count bonuses towards a mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — usually 50% of a 2- or 3-year average. Some lenders take 100% of a guaranteed contractual bonus with two years' history." } }, { "@type": "Question", "name": "Can I use a second job for a UK mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — most lenders accept a second job after 6–12 months in the role, though a smaller pool will consider it from month one." } }, { "@type": "Question", "name": "How much can I borrow on a £50,000 salary in the UK?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Do UK lenders accept overtime for a mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Are dividends counted as income for a UK mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Do child benefit or Universal Credit count as UK mortgage income?", "acceptedAnswer": { "@type": "Answer", "text": "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." } }, { "@type": "Question", "name": "Do zero-hours contracts qualify for a UK mortgage?", "acceptedAnswer": { "@type": "Answer", "text": "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." } } ] } ] --- [Skip to content](#main) [![First Rung Now](/assets/logo-mark-BqLOgqvj.png) First Rung Now UK Mortgage Guides ](/) - Mortgages - Remortgages - Buy To Let - Bad Credit - Calculators - Guides - [Find a Broker](/find-a-mortgage-broker) - [About](/about) [Speak to a Vetted Broker](/find-a-mortgage-broker) 1. [Home](/) 2. [Calculators](/calculators) 3. Income Income Calculators # 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. Basic annual salary (£) Annual bonus (£) Annual overtime (£) Lender income multiple (×) Get your result & a free broker sense-check Add your name and phone (required) — we'll show your figures and optionally match you with a vetted FCA-regulated broker. No spam, no credit checks. Your name \* Phone number \* Email (optional) I'd like to be matched with a vetted broker for a free, no-obligation chat. Untick if you only want the calculation. Show my result By submitting you agree to our [Privacy Policy](/privacy-policy). ## More income calculators ### Self-employed income calculator SA302 / tax year overview averaging: 2-year vs. latest-year figures. [Ask a broker to run this](/find-a-mortgage-broker) ### Multiple income calculator PAYE + rental + freelance + investment — which lenders combine what. [Ask a broker to run this](/find-a-mortgage-broker) ### Bonus income calculator Guaranteed vs. discretionary bonus, and the 50% / 100% lender split. [Ask a broker to run this](/find-a-mortgage-broker) ### Overtime affordability calculator Regular vs. occasional overtime, averaged from 3–12 months of payslips. [Ask a broker to run this](/find-a-mortgage-broker) 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. Why we ask for your details Calculators are educational. A free broker sense-check turns them into something actionable — specific to your credit profile, income type and lender criteria. ### Speak with a vetted broker Free introduction to an FCA-regulated adviser experienced in your scenario. [Match me with a broker](/find-a-mortgage-broker) ### All calculator categories - [Affordability](/calculators/affordability) - [Repayments](/calculators/repayments) - [Borrowing & LTV](/calculators/borrowing) - [Remortgage](/calculators/remortgage) - [First-Time Buyer](/calculators/first-time-buyer) - [Buy-to-Let](/calculators/buy-to-let) - [Equity](/calculators/equity) - [Costs & Stamp Duty](/calculators/costs) - [Overpayments](/calculators/overpayments) - [Comparison](/calculators/comparison) - [Specialist mortgages](/calculators/specialist) - [Refinance & Switching](/calculators/refinance) - [Income](/calculators/income) - [Investment](/calculators/investment) First Rung Now Independent UK mortgage education and broker matching. 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