Shift rate premium

Prem22

Hi all. I’m a first time buyer currently trying to purchase for around £230k with 10%, currently biding my time for a few weeks/months as 90% mortgages return to the market.
My question is about shift premium rates,

I’ve used the calculators online and a lot of the have an option for shift rate premium, I’ve found sometimes it makes a difference in the top offer,  sometimes it’s treated just as normal pay and sometimes they may ony take 50% of the shift rate etc.

My MA explained that even though some say and offer 100% shift rate, sometimes they may only accept a percentage of it.   The thing is I need 100% of my shift rate premium to be accounted for as without I fall below affordability. 

 

Has anyone had any dealing with shift rate and do you have any recommendations as to who takes 100%?  My Shift rate is ‘guaranteed’ and is on top of every standard working week, not incentivised or target required.   Shift rate can change but I highly doubt it right now with it only going up.   ty ma