How to Prove Your Income Without a P60

If you don’t have a P60, you might think you’re stuck — especially when applying for a mortgage, renting a property, or completing financial checks.

The good news is there are several ways to prove your income without one.

Why You Might Not Have a P60

You may not have a P60 if:

• You changed jobs before 5 April
• You’ve lost the document
• Your employer hasn’t issued it yet
• You’ve recently started a new job

This is more common than you might think.

Alternative Ways to Prove Your Income

1. Payslips

Most lenders accept:

• Last 2–3 months’ payslips

These show your current income clearly.

2. P45

If you left a job during the year, your P45 shows:

• Earnings to date
• Tax paid

This can be used alongside current payslips.

3. Bank Statements

Bank statements can support your application by showing:

• Regular salary payments
• Income consistency

4. Employment Contract or Offer Letter

This confirms:

• Salary
• Employment status
• Start date

Often used when you’ve recently changed jobs.

5. HMRC Income Records

You can access your income details through your HMRC account or request confirmation directly.

What Lenders Usually Prefer

In most cases, lenders look for a combination of:

• Recent payslips
• P60 (if available)
• Supporting documents

If one is missing, others can usually replace it.

How to Avoid Issues

To stay prepared:

• Download your P60 each year
• Keep digital copies of payslips
• Store documents securely

Being organised makes future applications much easier.

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How to Prove Your Income Without a P60 | UK Guide

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No P60? Learn how to prove your income using payslips, P45, bank statements, and HMRC records for mortgages, rentals, and financial checks.

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