Help Keep Boards Alive. Support us by going ad free today. See here: https://subscriptions.boards.ie/.
If we do not hit our goal we will be forced to close the site.

Current status: https://keepboardsalive.com/

Annual subs are best for most impact. If you are still undecided on going Ad Free - you can also donate using the Paypal Donate option. All contribution helps. Thank you.

https://www.boards.ie/group/1878-subscribers-forum

Private Group for paid up members of Boards.ie. Join the club.

Hi all, please see this major site announcement: https://www.boards.ie/discussion/2058427594/boards-ie-2026

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

Minime2.5 · 2020-01-25 20:54:24

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.

25-01-2020 08:54PM

#1

Minime2.5

Registered Users, Registered Users 2 Posts: 1,109 ✭✭✭

Join Date: August 2019

Posts: 951

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.

0

Comments

#2 25-01-2020 08:57PM

aaakev

Registered Users, Registered Users 2 Posts: 3,064 ✭✭✭

Join Date: August 2012

Posts: 2952

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

0
#3 26-01-2020 09:20PM

gandalf

Registered Users, Registered Users 2 Posts: 26,458 ✭✭✭✭

Join Date: February 1998

Posts: 24273

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.

0