Does Boshhh MoneyApp count irregular income like bonuses or gifts?

We focus on consistent monthly income, but regular payments such as bonuses or freelance income may be considered if they’re recurring.

Can I improve my affordability score by increasing my income?

Yes, boosting your income or adding secondary income sources may positively impact your affordability score.

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Back to affordability score

What we mean by income

Q: What types of income are included in my affordability score?

We include wages, benefits, rental income, pensions, student loans, and regular transfers into your account.

Q: Why do lenders want to see stable income?

Stable income reassures lenders that you can consistently meet repayment obligations over time.

Q: How does income affect my affordability score?

Higher and more consistent income increases your disposable income, which improves your affordability score.

Income is the money you regularly receive each month. It shows how much is coming in before anything goes out.

What's included in your income

Salary or wages

Regular payments from your employer.

Salary or wages

Regular payments from your employer.

Salary or wages

Regular payments from your employer.

Salary or wages

Regular payments from your employer.

Pension payments

Regular pension or retirement income.

Pension payments

Regular pension or retirement income.

Pension payments

Regular pension or retirement income.

Pension payments

Regular pension or retirement income.

Rental income

Money from renting out a property.

Rental income

Money from renting out a property.

Rental income

Money from renting out a property.

Rental income

Money from renting out a property.

Student loan funds

Regular student maintenance payments.

Student loan funds

Regular student maintenance payments.

Student loan funds

Regular student maintenance payments.

Student loan funds

Regular student maintenance payments.

Benefits

Like Universal Credit payments or PIP.

Benefits

Like Universal Credit payments or PIP.

Benefits

Like Universal Credit payments or PIP.

Benefits

Like Universal Credit payments or PIP.

Regular bank transfers

Consistent money transfers into your account.

Regular bank transfers

Consistent money transfers into your account.

Regular bank transfers

Consistent transfers into your account.

Regular bank transfers

Consistent money transfers into your account.

Investment income

Dividends, or other investment returns.

Investment income

Dividends, or other investment returns.

Investment income

Dividends, or other investment returns.

Investment income

Dividends, or other investment returns.

Why your income matters

Lenders want to see steady, reliable income. The more consistent your income, the more confident they are that you can repay any money you borrow.

Your income is the foundation of your affordability score it's what gives you the ability to manage expenses and potentially take on new financial commitments.

Lenders want to see steady, reliable income. The more consistent your income, the more confident they are that you can repay any money you borrow.

Your income is the foundation of your affordability score it's what gives you the ability to manage expenses and potentially take on new financial commitments.