Payslips: What Lenders Need to See

How Many Payslips Do I Need?

Most lenders will ask for your latest three months’ payslips if you’re paid monthly. If you’re paid weekly, they may request between 8 and 13 weeks of payslips.

What Information Needs to Be on My Payslips?

Lenders use your payslips to confirm who you are, how you’re paid and whether your income is sustainable. As a rule of thumb, each payslip should clearly show:

• Your full name
• Your employer’s name
• Pay date and pay period

• Basic salary
• Overtime, commission, bonuses or allowances (if applicable)
• Gross and net pay
• Year-to-date figures (YTD) where shown

• Tax and National Insurance
• Pension contributions
• Any other regular deductions (such as student loan)

Payslip Checklist for Your Mortgage Application

Need a hand pulling everything together?

If this all feels a bit overwhelming, you’re not alone. We help clients every day to gather the right documents and check that everything lines up before a lender ever sees it.

Share your payslips with us and we’ll flag anything that might cause a delay – before you apply.

Consistency with Your Bank Statements

Lenders will compare the income on your payslips with the money arriving in your bank account. If the amounts or dates don’t match, they’ll usually ask questions.

• Different employer name on the credit than on the payslip.
• Net pay not matching what arrives in your bank account.
• Gaps in pay (for example, missing a month) without explanation.

If you know there’s a difference – for example, you’ve changed bank accounts or are repaying an advance – tell us early so we can explain it properly to the lender.

Digital Payslips, Self-Employed and Other Situations

Yes – most lenders are happy with PDF payslips downloaded from your employer portal, as long as they look like the official document. Screenshots or photos of a phone screen are usually not accepted.

If you’re self-employed, a company director or paid via dividends, lenders won’t normally use payslips at all. Instead they’ll look at your accounts, tax calculations and Tax Year Overviews.

If you’re in this position, your next stop is our Tax Documentation guide – or just get in touch and we’ll talk through what’s needed in your case.

Troubleshooting: When Payslips Don’t Look “Standard”

Don’t panic if your payslips look a bit different. Lenders see plenty of variations, including:

• Seasonal, zero-hours or agency work.
• Multiple jobs or employers.
• Recent maternity, paternity or sick leave.

In these cases, it’s especially important that we see your documents early so we can choose a lender who’s comfortable with your situation.