08/06/2026
A common myth we hear all the time:
“I can only use my basic salary when working out how much I can borrow.”
That’s not true.
Many lenders will also take into account:
✔️ Bonuses
✔️ Overtime
✔️ Commission
✔️ Allowances
✔️ Even certain benefits
Every lender looks at income slightly differently, which is why getting the right advice is so important. What one lender says no to, another may happily accept.
We look at your full income picture, not just your basic salary. We’ll assess your situation properly, search across lenders and help you understand exactly what you could afford.
If you’ve been holding back because you thought your income “wouldn’t count”… let’s have a chat. You might be pleasantly surprised.
Message us to get started.
📞 01444 449200
Visit https://financeplanning.co.uk/mortgages
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Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.