What Incomes Are Accepted for your Mortgage Capacity Report?

Income comes in many forms, and the types of income we can consider for your mortgage capacity assessment align closely with those used in a formal mortgage application. We’re here to help you understand which of your income sources can be included. These may include:

• Employed or self-employed income
• Net or gross profit from a limited company
• Child maintenance (whether court-mandated or not)
• Universal Credit
• Pension income
• Personal Independence Payment (PIP)
• Child Benefit
• Disability Living Allowance (DLA)
• Spousal maintenance (whether court-mandated or not)

Each of these income types can play a role in determining how much you may be able to borrow for your mortgage. Our team will work closely with you to ensure every applicable source of income is taken into account, so we can provide the most accurate assessment of your borrowing potential.