If you are self-employed, a working spreadsheet can help you review your own income and outgoings before applying. BankScan is for one UK sole trader or owner-operated small business that keeps sole-trader records and converts its own statements.
Critical rule: Never edit or alter transaction data on a bank statement submitted to a lender. This is mortgage fraud. Conversion to Excel is for analysis and broker review only — the lender always receives the original PDF.
What Mortgage Lenders Look for in Bank Statements
- Income deposits: Regular salary credits or self-employed income patterns
- Outgoings: Regular direct debits, standing orders, loan repayments
- Account conduct: No unauthorised overdrafts, returned payments, or gambling transactions
- Affordability: Evidence that the applicant can comfortably afford the proposed mortgage payments
Prepare Your Own Review Copy
Use the spreadsheet to understand income patterns, identify regular commitments and check that you have gathered the full requested period. Verify every converted value against the source statement.
Confirm the Required Evidence
Self-employed mortgage applicants can face extra scrutiny. A lender may request several years of accounts plus personal and business statements. Ask the lender what evidence is required; a conversion never replaces the original PDF or an SA302.
Pro tip: Most UK lenders want statements going back 3-6 months. Some specialist lenders for self-employed applicants ask for 12 months. Ask the lender upfront so you prepare the right documents.
Convert Your Own Business Statements
The £3.99/month Sole Trader plan is for one UK sole trader or owner-operated small business that keeps sole-trader records. Keep the original PDFs and follow your lender’s instructions.
Start 7-day trial →Last updated: 8 May 2026. This guide is for information only — always follow your lender's specific requirements.