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Mortgage application- payslip address
kc1987
Posts: 2 Newbie
Hi
Apologies if this has been asked previously- I did try checking as many threads as I could with no success!
I'm not sure if I am being overly cautious/pessimistic, but my question is- how important will it be to my potential mortgage provider (HSBC) that my payslips show my previous address?
I have had a decision in principle agreed and have completed an application over the phone. the next stage will be within the next few days when I receive the completed application form to sign & take in branch along with supporting evidence, ie bank statements, ID, proof of address and the main cause of my anxiety- payslips!
I've asked my employer if they can provide amended ones with my current address and have been given a vague response which I do not hold alot of hope out for.
There are websites that provide payslips however I'm keen not to go down that route unless I have to.
It is, of course, my own fault fot not updating the address, it simply slipped my mind as the address is still my parents home.
Any help would be appreciated!
Apologies if this has been asked previously- I did try checking as many threads as I could with no success!
I'm not sure if I am being overly cautious/pessimistic, but my question is- how important will it be to my potential mortgage provider (HSBC) that my payslips show my previous address?
I have had a decision in principle agreed and have completed an application over the phone. the next stage will be within the next few days when I receive the completed application form to sign & take in branch along with supporting evidence, ie bank statements, ID, proof of address and the main cause of my anxiety- payslips!
I've asked my employer if they can provide amended ones with my current address and have been given a vague response which I do not hold alot of hope out for.
There are websites that provide payslips however I'm keen not to go down that route unless I have to.
It is, of course, my own fault fot not updating the address, it simply slipped my mind as the address is still my parents home.
Any help would be appreciated!
0
Comments
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If the address is one of your previous addresses in the last six years and it's shown on the application, I can't see it making a difference. Normally, only copies are used for underwriting and if the address is on the other side to the income data, it probably won't even be copied.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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Hi
thanks for the reply.
Yes, it is my previous address approx. 2 years ago- I've just realised HSBC do have this address on the application as they wanted a 3 year history.
The only reason i'm concerned is that I have read HSBC are well known for 'kicking' applications out for any minor discrepency! That's another story all together I suppose!0 -
FTBs often have docs showing their parents' addresses.
It shouldn't be a problem.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Hi
There are websites that provide payslips however I'm keen not to go down that route unless I have to.
Don't even think about it, effectively they are fraud, and the lender would likely pick them up as such, you would then have a mortgage fraud marker placed against you.I am a mortgage adviser.You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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