Posted Date: 25/11/2025
When applying for your first mortgage, one of the most important steps is showing proof of income. Lenders use this information to understand how much you can afford to borrow and whether repayments will be manageable.
Why It Matters
Lenders need to see a clear picture of your earnings. For employed buyers, this often means recent payslips and bank statements. For those who are self-employed, it may include tax returns or accounts prepared by an accountant. Providing complete and up-to-date documents helps prevent delays and increases the chance of approval.
Moving Forward
Before applying, take some time to gather your income documents and check that everything is accurate and easy to understand. This helps the process go more smoothly and shows lenders you’re well-prepared.
At Muuvin Mortgages & Protection, we offer a no-obligation call to help first-time buyers understand what lenders look for and how to prepare financially. You can also view more information about first-time buyer mortgages on our dedicated page: First-Time Buyers.
How many payslips do lenders usually ask for?
Most ask for the last three months, though requirements can vary.
What if I’m self-employed?
You’ll likely need to show tax documents or accounts from the past two to three years.
Can bonuses or commission count as income?
Yes, some lenders include these, but they may use an average over time.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
