If you’re paid a regular salary through PAYE, you’re in a strong position to get a mortgage—but that doesn’t mean every lender will offer you the best deal. Whether you’re a first-time buyer, moving home, or remortgaging, the market can be overwhelming, and small differences in how your income is structured could affect how much you can borrow.
At Mortgage Knight, we provide clear, honest, and competitive mortgage solutions for employed professionals. From payslip to completion—we’ve got you.
We assist salaried professionals across all industries, including:
Whether you’re employed directly, on probation, or in your first role, we’ll guide you through.
Most lenders will assess:
We’ll help you present your income clearly, and find the lender that values your profile best.
| Feature | Typical Terms |
|---|---|
| Deposit required | From 5% (95% LTV) |
| Loan to income (LTI) | Up to 4.5x–5.5x salary (depending on lender) |
| Income type accepted | Basic salary, regular bonus/OT, commissions |
| Contract types accepted | Permanent, probationary, fixed-term |
| Application speed | Agreement in Principle (AIP) in 24–48 hours |
Status:Emily started a new full-time job 6 weeks ago and was on a 6-month probation.
Challenge: Her bank told her she couldn’t apply until her probation ended.
Solution: We matched her with a lender who accepts probationary employment with a signed contract.
Outcome: Emily bought her first home with a 5% deposit and a fixed rate mortgage.
Status: Sam worked in retail with a basic salary of £26,000 and earned monthly performance bonuses.
Challenge: His bank only used the basic salary, reducing what he could borrow.
Solution: We used a lender that averaged 6 months’ bonus income into the affordability
Outcome: Sam was approved for a £230,000 mortgage, enough to buy solo.
Status: A teaching assistant and a warehouse manager applying jointly.
Challenge: One had variable overtime, and the other had fixed part-time hours.
Solution:We structured the case using averaged overtime and full-time equivalent pay.
Outcome: They secured a £275,000 mortgage with a 10% deposit.
You’ve got the job. Now let’s get you the home.
Whether you’re just starting out, planning to move, or simply want a better deal on your current mortgage, Mortgage Knight is here to help employed professionals borrow smarter.
Speak to an adviser today for quick, expert guidance and competitive PAYE mortgage solutions.
A: Not always. Many lenders accept new starters with a signed contract, especially if the role is permanent.
A: Yes—if it’s regular and proven, most lenders will include all or part of it in your affordability.
A: Absolutely. We work with lenders that accept contract-based roles, especially with industry experience or renewals.
A: Typically between 4 and 5.5 times your gross annual income, depending on your credit profile and other commitments.
A: Usually:
Last 3 payslips
Most recent P60
3 months’ bank statements
Proof of ID and deposit
We’ll guide you through each step.
