Show what is regular, variable and sustainable
We separate basic salary from contractual allowances, recurring shift pay and optional overtime. Payslips, the employment contract and year-to-date figures can help explain an unusually high or low month. We then test the mortgage budget without assuming the best month continues indefinitely.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Employment contract
- Recent payslips showing each income element
- P60 or longer earnings history
- Bank statements
- Existing commitments and property budget
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
A payment appearing on one payslip does not mean all lenders will count it. Variable earnings can fall, so the mortgage must remain manageable under a sensible budget.
Your questions, answered
How do you explain income that is not a regular salary?
The starting point is a clear account of where the money comes from, how often it is received and whether it is expected to continue. Depending on the circumstances, that may involve accounts, contracts, tax records or a history of variable pay. The evidence must support the figures used.
Can we look at the case before choosing a lender?
Yes. We first identify the income, credit or ownership issue that needs explaining, then assess suitable routes. Tell me about earlier applications and the reasons given for a decline, if known. Repeated applications without understanding the issue can leave the important question unresolved.
What makes a useful initial summary?
Outline the property, borrowing required, deposit source and timing. Add a short explanation of the part that is unusual: for example, company profits, a short contract history or a recent change in circumstances. Detailed records can follow through an agreed secure route.
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 17 September 2026. General information; availability depends on the individual case.