Can I use my tax returns as proof of income for a mortgage? — Scope | Disability forum
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Can I use my tax returns as proof of income for a mortgage?

john951159 Community member Posts: 3 Listener
edited November 2023 in Coffee lounge
 Can I use my tax returns as proof of income for a mortgage?


  • bg844
    bg844 Community member Posts: 3,887 Disability Gamechanger
    It shouldn't be a problem if you are self-employed, though every bank will have a different lending criteria.
  • woodbine
    woodbine Community member Posts: 11,329 Disability Gamechanger
    I would suggest not as most lenders see pay slips as proof you are working, a tax return isn't proof of "earned" income as an example I get a P60 for my ESA income
    2024 The year of the general election...the time for change is coming 💡

  • MW123
    MW123 Scope Member Posts: 363 Pioneering


    For self-employed individuals, lenders evaluate the ability to repay a mortgage by scrutinising documents like tax returns and supporting materials, providing a glimpse into income over a specific period.  A standard expectation from mortgage lenders involves submitting certified accounts covering one to three years, demonstrating a consistent and dependable income history.

    Many lenders recognise the unique financial circumstances of self-employed individuals and have flexible criteria to accommodate them.


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