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It varies lender to lender, some totally ignore bonus/commission payments if they're not guaranteed, others allow something.
My old job was about 30% basic salary 70% commission and I had different lenders offer me a max mortgage of between £140,000 and £350,000.
You'll need to talk to a mortgage broker.
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My broker used half of my commission added to by basic.
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If you're self employed (?) speak to CMME; they'll go with contract rate x hours, plus commission. Whether you have the appetite for a 6k+ a month loan is up to you...
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Both me and Ash at work managed with varying amounts of OTE. As everyone says it does vary lender to lender but you should be fine especially if it's relatively consistent going back over payslips etc. Happy to have a chat about it at work if you want.
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Hefty
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@Tenderloin
Couple of questions:
When applying for a mortgage will they give a mortgage based on OTE?
We want to buy a house next year but looking at it monthly mortgage repayments would be around 1600-1800 - that's equivalent to what we currently pay in rent. Is that a good basis to go on?