We will use whichever is the highest

We accept the following as annual income:

100% of:

• - Basic salary before tax
• - Car, housing, regional, shift and disability allowances
• - Pension income
• - Trust income

50% of the following can be included if paid monthly:

• - Overtime
• - Bonuses (annual bonus cannot be included if paid annually)
• - Commission

We will deduct any financial commitments you have including:

• All loans, including personal, secured, car and student loans
• Credit, charge or store cards
• Mail order or budget accounts
• Other mortgages
• Hire Purchase agreements
• Outstanding overdraft amount
• Child maintenance

If you have any questions about how much you can
borrow, please call us on 0800 032 8822.