Can you use earnings made from gambling, OnlyFans and Airbnb for a mortgage?

Lenders vary in what they accept, and some will certainly accept a proportion of Airbnb income. With the rise in Onlyfans popularity, lenders should consider this as acceptable income. Just like other complex income streams, those working in adult entertainment have a right to get on the property ladder. I’m sure lenders will argue the sustainability of this income, but if someone can show legitimate sources for a sustained period they should be allowable for affordability.

Lenders are certainly more attuned to borrowers having multiple streams of income these days, but essentially, if it is not on a payslip or self-assessment return, it's unlikely to be allowed for a mortgage. Income will need to be consistent and taxable, so those with Onlyfans businesses or other side hustles, if treated as self-employment, could use their income with 1 or 2 years of trading, but those thinking they can gamble their way up the property ladder will need to do without a mortgage.

The idea of a mortgage underwriter reviewing someone's OnlyFans content to determine whether it meets their guidelines is quite entertaining. Some may say 'computer says no,' while others may take a different view, depending on the content and potential reputational risk. The question of sustainability of income could be an issue but that could also be applied to a number of MP's in parliament today.

As long as income is properly declared, taxes are paid and sufficient evidence can be provided to a lender, there is no reason why content creators should not be eligible for a mortgage on the same basis as anyone else. Just like with other self-employed applicants, banks will typically look for a proven track record of at least two years and will assess the stability and sustainability of the business. By contrast, gambling winnings are tax-free but are highly unlikely to be regarded as a reliable or ongoing source of income to support a mortgage application.

Banks don’t care if you’re flashing flesh on OnlyFans, flogging stays on Airbnb or even beating the bookies, if the money’s legit and the taxman gets his cut, you can still bag a mortgage. The real problem is gamblers thinking tax-free winnings mean easy borrowing, as no tax return means no dice. Show lenders proof, pay your dues and you’re as mortgage-worthy as the bloke in a suit. At the end of the day, banks want stability, not sainthood. It’s proof of income not how you earn it that gets you the keys.