Hourly, Commission, Bonus & Multiple-Income Borrowers

It may be used when it is established, documented and reasonably likely to continue. Lenders often look at a history of variable income and may use an average rather than the latest year's amount.

Yes, but lenders usually want to see a history and supporting tax documents because commissions can fluctuate. The qualifying amount and documentation method vary by lender.

Possibly. The lender will review how long you have held both jobs, the number of hours, whether the work is sustainable and the history shown on pay and tax documents.

It can be if there is enough history and evidence that the income is stable and ongoing. A lender may use a two-year average or another supported amount rather than simply multiplying the current hourly rate.

Lenders may consider return-to-work income when documentation supports the return date and employer terms, but policies vary. Benefits, top-up income and future salary should be documented carefully.