Lenders in the UK evaluate your ability to afford repayments through detailed income checks.

• Employed applicants are usually required to provide three months’ payslips and a P60.
• Self-employed individuals typically need two years of SA302s or tax calculations and business accounts.
• Company directors may be assessed on salary and dividends or retained profits.
  
  Consistent employment history, ideally 12 months or more, strengthens your application. Bonus income, commission, and overtime can also be considered, though policies vary between lenders. Accurate income documentation is essential to meet UK mortgage affordability rules.