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Will my shift rate and oncall payments be taken into account when applying for a mort

  • 25-01-2020 8:54pm
    #1
    Minime2.5
    Registered Users, Registered Users 2 Posts: 1,109 ✭✭✭


    my basic gross salary is 39000 . However I work shift and oncall which I get extra for. Last year my gross earnings were 72k . Just wondering what will be considered when I apply for a mortgage.


Comments

  • #2
    aaakev
    Registered Users, Registered Users 2 Posts: 3,088 ✭✭✭aaakev


    Yes, if you can show its consistent over the last 3 years they will take an average of that. Myself and a friend just bought houses last year and he is on very similar numbers to you and bought his house on his own


  • #3
    gandalf
    Registered Users, Registered Users 2 Posts: 26,458 ✭✭✭✭gandalf


    As above if you can show them a pattern over three years you should be fine. I work in Sales and was only 2 years in my job when we applied for the mortgage and they did not take my commission into account for the mortgage because of the 3 year rule. They did take into account my car allowance though.


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