IRIS + Mortgage Application: Complete Workflow
Preparing for mortgage application and using IRIS? Mortgage lenders require 3-6 months of bank statements to verify income and assess affordability. Manually organising these statements is time-consuming for both applicants and brokers. BankScan AI bridges the gap between your bank's PDF statements and IRIS's import feature.
BankScan AI → IRIS for Mortgage Application
Convert bank statement PDFs to CSV formatted for IRIS import. Convert your bank statements to clean Excel spreadsheets that clearly show income, regular outgoings, and spending patterns — exactly what mortgage lenders need to see.
How It Works
Upload your bank statement PDF
Supports all major banks. Upload 3-6 months of statements, though some lenders request 12 months for self-employed applicants of statements.
AI formats for IRIS
Output as CSV with Date, Narrative, Debit, Credit — IRIS uses Narrative instead of Description and requires separate Debit/Credit columns — dates in DD/MM/YYYY.
Import and use for mortgage application
Upload into IRIS and use the reconciled data for mortgage application.
Supported Banks
BankScan AI works with all major UK and US banks, including:
IRIS + Mortgage Application Features
- IRIS ready — Output formatted as CSV matching IRIS's expected column structure
- Smart integration — IRIS links bank transactions directly to tax computations, so imported statements feed into both bookkeeping and tax return preparation simultaneously.
- Built for Mortgage Application — Convert your bank statements to clean Excel spreadsheets that clearly show income, regular outgoings, and spending patterns — exactly what mortgage lenders need to see.
Import for Mortgage Application into IRIS
After converting your bank statements for mortgage application:
- In IRIS Accountancy Suite, open the client file, go to Bank > Import Transactions
- Select the CSV file, map columns to Date, Narrative, Debit, Credit, and import
Common Import Issues
IRIS is strict about column naming — use 'Narrative' not 'Description'. Also requires the CSV to not contain any currency symbols in amount columns.
IRIS Import for Mortgage Application
Mortgage offers typically expire in 3-6 months; brokers often need documents within 48 hours to secure a rate lock
Convert for IRIS + Mortgage Application