First-time buyer/Shared Equity & 'complex' income?

iscrimger

Hi, I'm applying to the Scottish Government's shared equity scheme - to complete my application I have to provide 3 mortgages quotes based on my income. It's all very straightforward until I start thinking about my 'income' and hopefully someone can help - failing that I'll just call up each lender and ask.

I get a basic salary plus an attendance allowance. My basic gross salary is just under 17.5k.

I also get commission - which there will always be, because of the nature of my job. It's not a significant amount but it can add over £500 to my salary.

Overtime. I try and work at least 20 extra hours every other pay period. So every 8 weeks I'll do around 20 hours overtime. Since I started 2 years ago that's always been the case and I only work a 3 day week so it's more than possible. There is also an element of compulsory overtime but I don't want to include that as I have no control over that at all and it usually amounts to very little.

The last part of my income is what causes me most confusion. I have a flatmate - we currently rent a flat and if I buy a flat my flatmate will be moving also. My flatmate pays me a fixed sum every month for rent & council tax. Can I use this figure when declaring my income?

Any help would be appreciated!