How to Download Bank Statements for Your Mortgage Application

For your mortgage application, we’ll need digital copies of your recent bank statements. Most banks now provide statements online and only send paper copies upon request. We’ve included simple steps for downloading statements from major UK banks to help you get set up.

Why Lenders Need Your Bank Statements

When applying for a mortgage, your bank statements give lenders a detailed look at your financial health. They help assess:

• Your income (e.g. salary, benefits, or self-employed payments)

• Spending habits and outgoings

• Debt commitments (credit cards, loans, finance)

• Gambling activity or large one-off transfers

• Overdraft usage

This helps lenders decide whether you can afford the mortgage repayments and how you manage your money day-to-day.

What Your Bank Statements Must Show

To be accepted by lenders, your statements must be full, official copies. Most lenders will not accept screenshots or cropped images.

Your statements should:

✔ Cover the most recent 3 months (some lenders require 6)

✔ Be downloaded PDFs or printed copies (not app screenshots)

✔ Clearly show:

• Your full name

• Your current address

• Your account number and sort code

• All transactions (including income and spending)

• The bank's name and logo

If any of these are missing, your mortgage application could be delayed.

Why Mortgage Lenders Won't Accept Screenshots

Many people try to send screenshots from mobile banking apps—but these rarely include all the required details. They often miss key elements like your name, full transaction history, or the bank’s logo.

Lenders need to verify authenticity. Downloaded PDF statements from your bank’s online banking portal are the gold standard.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

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