Packaging & criteria

Overtime

Income from overtime is acceptable. Key the full amount and we will weight the income at 75%.

Take the average overtime income from the last 2 months’ payslips. Underwriters will check that this amount is in line with year-to-date earnings.

Box

Packaging guidance:

  • Most recent 2 months’ or last 8 weeks’ payslips, or
  • P60, or
  • The last tax year’s March payslip, where the YTD will be used, or
  • Relevant payslips showing payments, or
  • tax calculation,

and latest months’ bank statements showing income, expenditure and any rent or mortgage payments.