Change of income

Oldjolly

In my current job, I'm paid a monthly bonus on top of basic. Some providers are saying they take the last 3 or 6 months figures and work out an average for bonus. 

If I was to apply for a mortgage just now and be accepted but then earn much better bonus over the next 6 months, could I go back to the bank and apply for higher amount or is this likely to be knocked back?

PawelK

Unless something has changed, five years ago, when I was applying for my first mortgage, I had a very good bonus for three months and much less before and after that period. My broker found a lender that was taking 50% of the bonus on top of my salary for calculations of the amount to lend me. I was told by the broker back then that this is rare as usually banks would only add 25% of bonus, if any.