UK Payslip for Mortgage Application
High-street lenders, building societies, and brokers nearly always ask for your last three months of payslips. Generate them here with HMRC-correct PAYE, NI, pension, and student-loan figures.
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Employer details
Summary
Employer pension: £0
Continue through each step to generate your payslip.
Tax calculations are estimates based on 2025/26 HMRC rates. For exact figures, consult your payroll software or an accountant.
Why lenders ask for payslips
The three-month standard
Halifax, Nationwide, Barclays, NatWest, HSBC, Santander and most UK lenders require your three most recent payslips when assessing affordability. Some — particularly if you’ve been in the role for less than a year — also ask for a P60 or your last six months. Brokers will usually request them in PDF format so they can be uploaded directly into the lender’s underwriting system.
What lenders look for
- Your full name and the employer’s name
- Pay date and pay period (the period the payment covers)
- Gross pay broken into basic, overtime, and bonus components
- Statutory deductions (PAYE, NI) — used to verify net pay
- Year-to-date totals for gross, tax, and NI — corroborates the period figures
- Pension contribution (affordability calculations factor this in)
Variable income
If you earn commission, regular bonuses, or significant overtime, lenders typically average across the last three or six months. Make sure each payslip you submit accurately reflects the variable component — most underwriters will sense-check the YTD figures against the period figures.
Self-employed and contract workers
If you trade through your own limited company and pay yourself a salary plus dividends, lenders will generally want to see SA302 tax calculations and tax-year overviews from HMRC, plus the limited company accounts — payslips alone may not be sufficient. The Payslip Generator can help if you pay a regular PAYE salary out of your company; for the dividend side you’ll need separate documentation.