How many months of bank statements do mortgage applicants normally have to provide?

a1234555

We are looking to buy a house at the end of 2021 or early 2022 and I was hoping invest some small amount of money each month but don't want this to show on my statements that will be looked at during my mortgage application. I am happy to put every spare penny into savings before we apply but wasn't sure whether it's best to have tidy statements for 6 months or perhaps a year?

ACG

In the main it would be 3 months but I am seeing 6 months a little more often than usual in the current climate. Some lenders may not even ask for statements. 

Lenders wont mind you putting money into an investment - it is not really any different to a pension/ISA etc.

grumiofoundation

a1234555 said:

We are looking to buy a house at the end of 2021 or early 2022 and I was hoping invest some small amount of money each month but don't want this to show on my statements that will be looked at during my mortgage application. I am happy to put every spare penny into savings before we apply but wasn't sure whether it's best to have tidy statements for 6 months or perhaps a year?

Why would investing be an issue? (Investing won’t be viewed, and isn’t, like gambling). 

stuart746

Hi, 3 months is fairly normal. They just want to assess affordability, so that whatever you tell them you can afford actually matches up to what you tell them in the mortgage application. Investments are unlikely to interest them. 

CSL0183

I’ve went through two mortgages in the last few months. First lender 3 months, 2nd lender 4 months. 

However, any deposit amounts need to be fully traced and that may need to go back much further if required.