Unsure how your income will be assessed?
Discuss how you are paid, your current circumstances and the next steps towards a mortgage application.
If you live in the UK on a visa and need a mortgage, the question is not just which documents to send. It is whether the lender can use your income, how it will assess that income and whether the rest of your circumstances meet its requirements.
Count Ready can discuss your employment or business arrangements alongside your mortgage plans. Tell us whether you are buying your first home, moving or remortgaging, and whether you are applying alone or jointly. We will confirm the advice available for your case before chargeable work begins.
Payslips or accounts can show what you earn. The lender still decides which earnings it accepts and how much borrowing is affordable after considering commitments, expenditure and other criteria. A large deposit or a complete document pack does not guarantee approval.
Your immigration permission is a separate part of the assessment. For a wider explanation of available routes, see our mortgage advice for UK visa holders.
Discuss how you are paid, your current circumstances and the next steps towards a mortgage application.
Explain your basic salary, pay frequency and any overtime, bonus, commission or allowance you want to use. Let us know about probation, a recent job change or expected changes in hours. These details help identify the questions to check with a lender; there is no single employment-history rule for every application.
Tell us your business structure, trading history and how you take income. The relevant assessment may involve accounts or tax records, depending on the lender and circumstances. An SA302 is a tax calculation, not the tax return itself. Our self-employed mortgage service covers the wider income considerations.
Describe who pays you and whether you work personally, through a company, agency or umbrella. A contract rate is not automatically the income a lender will use. Contract length, gaps and the payment arrangement are useful points to raise at the first conversation.
Set out where you live and work, who pays you and the currency received. Ask whether the arrangement can be considered before arranging translations or a substantial evidence pack. Receiving money into a UK account does not by itself make the underlying income acceptable.
Explain each applicant’s income separately, including any pension, benefit, rental or maintenance income you wish to rely on. One person’s nationality or immigration status does not mean that both incomes will be accepted in full. See our joint mortgage guidance.
Speak to a mortgage broker today and find out which lenders accept visa holders like you.
Request a call backTell us your current status, including any change from pre-settled to settled status. Keep that distinct from citizenship and from your income evidence. Our settled-status mortgage page explains the broader questions without assuming that every applicant is an EU citizen.
We can discuss how the information relates to a mortgage application. Questions about your immigration rights or tax obligations need appropriately qualified advice.
Use our mortgage documents checklist for preparation. If records are missing or figures differ, our income-evidence troubleshooting article explains how to raise the problem. These guides support the conversation; they do not replace a tailored evidence request.
Request a mortgage conversation. A brief description of how you earn and what you want to do is enough to start. Keep bank statements, tax references, identity documents and immigration evidence out of the initial message.
If a lender has declined an application or asked for more information, tell us the stated reason. Another application is not automatically the right next step.
Fees will be agreed before chargeable work; we may also receive lender commission. Read our terms of business.
Guidance checked on 7 September 2026. Nationwide’s application-proofs guide illustrates different evidence routes; HMRC explains tax calculations. Lender examples are not universal criteria or confirmation of Count Ready’s access to that lender. Requirements can change.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get tailored advice and discover your mortgage options today.
Get me a mortgageNot necessarily. The lender decides which income sources it accepts and how it assesses them. Evidence that a payment was received does not guarantee that the full amount will be used for affordability.
Yes. Start with your mortgage plans, how you earn and your current circumstances. We will confirm what information is needed next. Any initial discussion or estimate remains subject to the relevant checks.
No. Explain each person’s income and circumstances separately. The lender decides what evidence is required and which income can be used; one applicant’s citizenship does not settle the whole assessment.
No universal document count applies. The lender, pay frequency, income type and recent changes can affect the period requested. Ask for the list relevant to your application.
Ask for the stated reason and tell your adviser what was submitted. The next step may involve clarifying evidence or considering whether another assessment route is available. A different lender’s approval is not guaranteed.
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