Research collating 680 broker responses showed over 25% of the brokers polled had a client base where 50% of their clients earned a regular bonus.
Just 8% of mortgage intermediaries said they saw fewer than one in ten clients who wanted bonus and commission income to be considered as part of their application.
Charles Morley, head of sales at Kensington, said: “Bonuses may have made headlines for the wrong reasons recently, but there is no getting around the fact that a huge number of workers in the UK are rewarded on performance, with regular target-related bonus or commission.
Kensington considers up to 100% of all regular bonuses and commission, where other lenders consider a smaller amount, it said.
“Given that it is so integral to the workforce, it is unbelievable to think that some lenders are still reluctant to consider the full value of regular bonus or commission payments within their affordability calculations,” said Morley.