Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Proof Of Income

What is Proof of Income?

When mortgage lenders ask for Proof of Income, it usually refers to your last 3 months’ pay slips and P60. Some also ask to see your recent bank statements so they can see the monthly credit to your account.

Q: Why do I need to provide this?

A: Proof of income shows a lender that you can afford their required repayments in the timeframe agreed upon. Physical proof in the form of bank statements or pay slips helps them verify that the information you have provided them up to this point is correct.

Q: How do you show proof of income if you’re self-employed?

A: This may vary from lender to lender, but in most cases you can either provide a full set of bank statements or your end-of-year tax calculations. Some mortgage providers will ask for both of these.

Q: How do you show proof of income if you’re unemployed?

A: For some loans it’s possible to show your proof of income even if you’re not currently in gainful employment. If you provide proof of any benefits you may regularly receive, along with any written evidence you have to support this, some lenders will accept this as proof. This isn’t uncommon for some forms of credit, such as student loans.

Jargon Buster

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