Mortgages for sales professionals
Mortgages for sales professionals
Sales pay can change month to month, with commission, bonuses and targets. Tony helps sales professionals compare mortgage options from over 100 lenders and explains how lenders may view basic pay, commission and on-target earnings.
Talk to TonyAt a glance
- Advice for sales and commission-based staff
- Access to 100+ lenders and around 28,000 deals
- Rated 5.0 from 235+ Google reviews
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
How Tony can help sales professionals
Variable pay needs the right lender. Tony helps you find one that understands it.
What lenders may look at
- Lenders usually look at actual earnings shown on payslips and P60s, not on-target earnings.
- Some lenders average commission over one to three years.
- A longer, steadier earnings history generally gives more choice.
- Commission-only roles may be assessed in a similar way to self-employed income by some lenders.
Meet your adviser
Hi, I'm Tony Flynn
I'm a mortgage and protection adviser based in Carluke, helping people across Lanarkshire and Scotland.
I've spent 15+ years in finance and have been named Mortgage Professional of the Year at the Prestige Awards Scotland five years in a row. I'll explain your options in plain English so you know exactly where you stand.
Sales mortgage questions
Can I get a mortgage if I am paid mainly on commission?
Possibly. Lenders vary, and many want to see a history of commission earnings. Tony can search for lenders whose criteria suit your pay.
Does on-target earnings count?
Lenders usually base their assessment on what you have actually earned, not on-target earnings, so your payslip history matters.
Can I get a mortgage if I have just changed jobs?
Possibly, depending on the lender and your contract. Tony can check the options before you apply.
Do you charge a fee for mortgage advice?
There may be a fee for mortgage advice. The amount depends on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will explain this before you commit.
Can you help with protection as well as a mortgage?
Yes. Tony can also advise on life insurance, critical illness cover and income protection alongside your mortgage.
Related pages
More advice for people in similar situations.
Ready to talk it through?
A quick chat with Tony is a good first step. No jargon, no pressure.
Talk to Tony