Payslips

xlickle_cutiex

Hiya

I was just wondering how many wage slips people have been asked to provide when applying for a mortgage?

Thanks

Velvet_Glove

2. But they have to be up to date, i.e. if your application goes on for longer than the 2 months previous when you sent your slips, you will have to send them the most up to date ones.

witchy1066

we had to send the last 3 pay slips and latest p60
but I think this can vary, its best to ask your lender

xyellowx

if its your bank providing the mortgage then none
anybody else 3 normally the min

Paully232000

3 of the latest payslips and 3 months bank statements with the relevant credit i had to provide

chanz4

xyellowx wrote: »

if its your bank providing the mortgage then none
anybody else 3 normally the min

Disagree, Halifax is my bank and they asked for 3 still

GMS

It varies from lender to lender. One may ask for latest payslip only. Another latest payslip and P60. Others 3 months payslips, P60 and 3 months bank statements.

If 1 payslip is asked for and overtime/bonus is needed they may want 2 more.

Whatever is asked for the lender reserves the right to request further information.

OP are you concerned for any reason with payslips?

xlickle_cutiex

Hi everyone thanks for replies

What it is, is that in May my partner had 2 weeks unpaid leave from work to complete 2 weeks work experience at another company to add to his cv. This obviously reflects in his pay slips, and after being declined for a mortgage last year (due to a few late store card payments) we have both worked hard over the past 14 months to get our credit improved. We have now found a house we really like and would like to put an offer in but dont want 2 weeks unpaid in may to effect us getting a mortgage again.

Thanks

kingstreet

We obtain ID, PoA, three months payslips, latest P60, three months bank statements and proof of deposit.

Regardless of what the lender might ask for, those are our minimum requirements.

GMS

kingstreet wrote: »

We obtain ID, PoA, three months payslips, latest P60, three months bank statements and proof of deposit.

Regardless of what the lender might ask for, those are our minimum requirements.

I am the same. Always better to have too much information than not enough.

I assumed the OP had gone direct.

kingstreet

My colleague has just been through a broker audit by LBG. He was given a list of past Halifax cases from about two years ago and asked to produce all the supporting documentation they never requested at application stage.

The meeting to discuss their findings is taking place the week after next with someone from LBG HQ and our BDM.

I know we're clean, but I can imagine some firms not coming our of something like that too well.