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How do you prove your income?

If you're employed: The lender will ask for written evidence e.g. payslips and/or your P60 for the past two years.

They'll also probably write to your employer asking for confirmation.

Some lenders may accept income that's not guaranteed eg commission, bonuses etc., though this would be exceptional.

If you're self employed: Traditionally this was more difficult and as a result there are lenders who specialise in the self employed.

However, nowadays, many lenders will be interested in you.

You would need to show three years audited accounts. If you haven't been in business long enough then the lender should accept a letter of confirmation from your accountant.

To read more on this subject please see the list below or your mortgage guide or your home buying guide

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Value of Property £ (eg 125000) Borrow How Much? £ (eg 92500) Your Mortgage Type    - please select - Re-Mortgage Purchase Buy to Let Overseas   First time buyer? Yes No Have you found property? Yes No Country   - please select - Andorra Australia Bahamas Barbados Belgium Belize Bulgaria BVI Cayman Islands Cyprus Canada Dutch Antilles France Greece Ireland Italy Jamaica Malta Mexico New Zealand Poland Portugal Spain St. Lucia Switzerland Trinidad & Tobago Turks & Caicos USA Other.. Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry ! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel

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Read On / Mortgage Basics

What is a mortgage?

A basic summary of the rules

The choices you need to make

How much can you borrow?

How do you prove your income?

How long are mortgages usually for?

What will happen to interest rates?

Read On / Mortgage Guide

How to Choose your Mortgage

Types of Mortgage

Remortgages

Where to Find Your Mortgage

Getting a Mortgage in Principle

Costs of a UK Mortgage

Your Mortgage TOP TIPS

Calculators

A to Z all UK Mortgage Types

Read On

Guide to Buying a Home in the UK

Guide to UK Home and Mortgage Insurance

Life Insurance Guide

Glossary of UK Mortgage Terms

Mortgage News

Read more about Mortgage Basics

See contents of Full Mortgages Guide

See contents of Home Buyers Guide

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Mortgage Basics

What is a mortgage?
A basic summary of the rules
How much can you borrow?
How do you prove your income?
How long are mortgages usually for?

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How to get a Mortgage in the UK

Here we give you a step by step guide on how to get a mortgage with special tips

I'm employed - shortcut

I'm self-employed - shortcut

I'm buying my first mortgage - shortcut

I've got a bad credit history - shortcut

Mortgage Basics

How to Choose your Mortgage

Types of Mortgage

Where to Find Your Mortgage

Getting a Mortgage in Principle

Cost of a UK Mortgage

Your Mortgage TOP TIPS