Why it varies
There is no universal bonus-income formula.
Lenders can differ on required history, averaging, shading and recency. The appropriate approach depends on the income type, evidence, employer, continuity and current policy.
Build the evidence
Separate the ingredients before combining the story.
Base salary
Confirm current employment and ordinary earnings.
Variable payments
Map amount, timing, history and supporting documents.
Continuity
Explain role or employer changes where relevant.
Lender policy
Compare current treatment before choosing a product.
Learn from examples
See how variable income can affect a real application.
Bonus and side-business income
A $1.5m investment purchase involving several income streams.
Read the case →Bonus-income guide
A detailed explainer on history, evidence and lender differences.
Read the guide →