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What proof of income is required for a mortgage?


Bank statements, pay slips, tax returns?? Just to prove my income!🤯
'fraid so...but at largemortgageloans.com we can help🆘.

To secure a mortgage you MUST be able to accurately prove your income. It is, after all, probably going to be the largest loan of your life!
So, here goes...

If you're employed:

💰Payslips: Lenders typically require the most recent payslips covering a period of at least three to six months.

🏦Bank statements: Lenders may request several months of your latest bank statements to verify income and assess financial stability.

📄P60 form: Borrowers are required to provide a P60 form from their employer for the previous tax year.

👩🏼‍💼Employment reference: Lenders may contact your employer to verify employment status, job title, and income.

💷Bonus and commission income: If you earn bonuses or commissions, lenders will need documents which prove this bonus or commission history to verify income.

If you're self-employed:

📄SA302 form or tax year overview: Lenders may request a SA302 form or a tax year overview from HM Revenue and Customs (HMRC) to verify self-employed income.

🏢Self-employed income documentation: Self-employed borrowers may need to provide additional documentation, such as the last two years' business accounts if you're a ltd company, or tax returns, to verify their income.

🏦Bank statements: Lenders may request several months of your latest bank statements.

The exact documentation 📄required will depend on the lender and your individual situation, so it's always best to speak to an independent mortgage broker who can help you to gather everything.

Give us a call☎️ or drop us a message 📩to chat through your mortgage needs.

https://www.largemortgageloans.com/mo...

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What proof of income is required for a mortgage?