If you have a job with a variable pay component, each lender applies different rules. For example, if you receive a bonus, earn commission or participate in a profit-sharing scheme. Do you need this variable component to qualify for the Code of Conduct for Mortgage Loans test but not in order to afford the monthly costs of your mortgage? Then we will look at the possibilities at each lender for including the variable component.
Be aware that there are significant differences between one lender and another. It may therefore be the case that you cannot get a mortgage from your own bank but this will be possible from another lender. Make an appointment and we will look at the options together. We will certainly find a match with a financier that suits your situation.
Consider the options together?