Mortgage lenders for cabin crew salaries

MRSMWS

Hi
Are there any recommendations for mortgage lenders for cabin crew. 

That take into account sector pay and commission? 

Any help greatly appreciated 

Emmia

I'd have thought mortgages are all on a straight affordability metric, irrespective of the job someone has. 

Commission isn't guaranteed.

born_again

MRSMWS said:

Hi
Are there any recommendations for mortgage lenders for cabin crew. 

That take into account sector pay and commission? 

Any help greatly appreciated 

Mortgage advisor?

Commission might not be counted, as it is not guaranteed, very much like overtime often is not.

user1977

Might be better asking on the Mortgages board.

silvercar

I’ll move this to the mortgage board.

Voyager2002

born_again said:

MRSMWS said:

Hi
Are there any recommendations for mortgage lenders for cabin crew. 

That take into account sector pay and commission? 

Any help greatly appreciated 

Mortgage advisor?

Commission might not be counted, as it is not guaranteed, very much like overtime often is not.

I think the issue is that cabin crew have irregular earnings. They are paid for each hour they spend in the air, not paid for time waiting during delays, and in some months they are offered more flights than in others.

ACG

born_again said:

MRSMWS said:

Hi
Are there any recommendations for mortgage lenders for cabin crew. 

That take into account sector pay and commission? 

Any help greatly appreciated 

Mortgage advisor?

Commission might not be counted, as it is not guaranteed, very much like overtime often is not.

The ones we have done in the past tend to have a basic pay, pay whilst on a flight, pay whilst staying over etc. 

Generally speaking a lot of lenders will accept the added extras or at least a portion of them. It really comes down to what you have to evidence the income. If you have 3 months payslips, that will open up some lenders. If you have a P60 and 6 months payslips, that might open up more options. 

Speak to a broker but this should be relatively straight forward depending on how much of your extra pay is needed.