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It doesn't get much better that that. :) Tax returns are usually used to verify bonuses, group certificates work well too.

They'd assess it as nil. In your example it's not consistent and can't be relied upon in the future. When a client gets a bonus as part of their income, I try to make it work without the bonus.

Many lenders will count your bonus as income for servicing if it can be demonstrated that the bonus has been paid regularly. Usually it needs to be paid for 2 years running but if it is paid more frequently exceptions may be made.