The amount we will be able to lend to you depends on your admissible income.

For people in employment, admissible income is defined as your basic gross annual income plus the whole of any guaranteed overtime, shift allowance or bonus (excluding annual bonuses). In addition, up to half of any regular overtime, shift allowance or bonuses (excluding annual bonuses) may be taken into account.

When we assess your income we will take into account any ongoing financial commitments such as loan or credit card payments or maintenance payments. Your annual income minus your annual commitments is referred to as your 'admissible income'.

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