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@DethBeard
Salary sacrifice is "better" financially on the payslip (you pay less tax and NI)
Net schemes tend to be based on 80% of your gross and then the 20% difference is added by the pension provider via HMRC.
But you pay tax and NI on full earnings.
As mentioned some mortgage providers will only look at your taxable, but most look past the pension and base it on full gross.
It all depends on how your company administer the pension.
I've never seen one take your pension from your annual salary and not show your conts, but it is feasible.
(Payroller by profession with 2 decades of experience)