How to download bank statements for mortgages

How to download bank statements for mortgages

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Mortgage lenders ask for and review your bank statements to support a mortgage application.

We will always require at least the latest three months bank statements to go with your application.

It is important that bank statements are provided to your Mortgage Lender in the correct format.

You may still be getting bank statements in the post which will contain the necessary information and will be easily copied.

Nowadays most people use online banking and thankfully all the major banks enable you to download your bank statements online.

This is great news for you because you won’t have to wait for the mailman to arrive, and you won’t have to worry about finding old statements that you may have filed away.

In this guide we will go through the steps you need to take in this article on how to view, save and print your bank statements including how to download them.

Your downloaded statements need to include the bank’s name, your name, show all transactions both in and out as well as the running balance figure. If your bank statements happen to include your address, then excellent! That’s one of the ‘proof of address’ requirements ticked off the list.

Most importantly this means ‘good quality copies, and NO screenshots’.

Online Banking Systems

Barclays

After logging into your online banking head to your main account page.

You will see 4 tabs with the headings: ‘Search for Transactions;’ ‘Recent transactions;’ ‘Statements,’ and ‘Annual Summaries.’ As you would expect, you need to click the ‘Statements’ tab.

From here, you will see your latest three statements at the top of the page and down below there will be a full list of your bank statements covering the last 12 months. When you click on the statement you want to view you will then have two options: Download or print. Choose the ‘download’ option if you want to keep a copy of your statements on your computer or print directly from the page.

Barclays

Bank Of Ireland

When you have logged into online banking on your computer, you will be able to select ‘Statements’ from the main menu.

From here, choose ‘Statements and documents.’

Select your chosen account from the drop-down list and then choose the statement you wish to view. A new tab or window will then open in your browser.

.Select ‘File’ and then click ‘Print’ from the browser toolbar, and this will open up your statement in print preview.

To save to PDF, select ‘Adobe PDF’ if you’re on a PC or click ‘change destination’ and select ‘save as PDF’ if you’re using a Mac. You can then name your file and save it to the designated folder on your computer.

Bank Of Scotland

When you have gone through the login process, you will see a number of options. Select ‘Statements’ on the left side of the screen.

From here, you will see the option: ‘View statement PDFs and certificates of interest.’

After selecting that option, choose the account you want to view and choose the time period to view that you want your bank statement to show. You can then click on the ‘Download statement (PDF)’ option in the top left corner.

Co-Operative

Log in to your online banking account.

Select the statement you want to see from the ‘Statements’ tab and click on the ‘Download’ or ‘Print’ option.

There is a note on the bank page encouraging customers to upgrade to the latest version of their browser if they have any problems when trying to print a statement.

Coutts

Log in to your online banking account.

Once logged in select  ‘Documents.’

Then select ‘Document Vault’ and choose the statement you require. You can also search by selecting the month or by using the ‘Search’ button.

After selecting your statement, a PDF will be generated which can be downloaded, viewed, and printed.

First Direct

Log in to your account and then look for the ‘Statements’ option. Click on this and then choose ‘View statements’ from the menu on the left-hand side.

Scroll down to the bottom of the page and click ‘Print.’

Choose the time period to view that you want your statement to cover by updating the ‘from’ and ‘to’ dates. Then click ‘Print’ again.

You will now see a preview of the statement you want to print.

To save the statement as PDF, select ‘Adobe PDF’ if you are using a PC or click ‘change destination’ and select ‘save as PDF’ if you are using a Mac. You will then have the option to name your file and save it to the designated folder on your computer.

Halifax

Login to your account page. On the homepage of your account, select ‘View Statement.’ If you have more than one bank account with Halifax, you will be able to select between them.

Click ‘Statement Options’ at the top of the page and then choose the bank statements you wish to download. You then have the option to download them as PDF to the designated folder on your computer.

HSBC

After logging into online banking on your computer, you will see a list of your accounts on the left-hand side of the page. Select the account you want to download statements for.

On the account page, you will see a ‘Manage’ option in the top right. Click on this, then choose the ‘Documents’ header and select ‘Statements.’

Click on the bank statement you want to save, and look to the bottom right of the page, where you will see the ‘Download PDF’ option.

Lloyds

After completing the login process on your computer, head over to the left-hand side of the page where you will be able to click a link to your digital inbox. Alternatively, click the envelope in the top menu.

From here, you will see copies of your recent bank statement and the option to download them as PDF files.

Metro Bank

After logging in to your online banking service, select the account you want to see statements for.

Then click ‘search transactions’ and specify the dates you want your bank statement to cover.

You will then have the option to ‘Print transactions,’ and this will open up your statement in print preview.

To save it to PDF, select’ Adobe PDF’ if you’re using a PC or click ‘change destination’ and select ‘save as PDF’ if you’re on a Mac. You will now be prompted to name your file and save it to the designated folder on your computer.

Nationwide

Login and select the account you wish to view

Click statement archive top left-hand side

Select the period you require and save as PDF

NatWest

Access your online banking service and then select ‘Statements’ from the left-hand menu.

Under the ‘Your accounts’ heading select ‘View save and print PDF statements and certificates of interest (up to 7 years).

Choose your account from the list, click ‘Next,’ and then choose a time period to view.

Click ‘View statement’ and use the ‘Download Statement (PDF)’ link.

When prompted, select ‘Open,’ and your statement will be download and opened as a PDF file.

RBS

Log in to your online banking account.

Once logged in, click ‘Statements’ from the left-hand menu.

Under ‘Your accounts,’ click ‘View, save and print PDF statements and certificates of interest (up to 7 years)’.

Select the account you require and click ‘Next.’

Choose the statement you need, click ‘View statement’ and then click on the ‘Download statement (PDF)’ button which can be found above the list of transactions.

TSB

Log in and choose the account you wish to download statements for.

Click ‘Print’ to open up a new window with your statement and then click ‘Print’ again to open up your statement in print preview.

To save as PDF, select ‘Adobe PDF’ if you’re on a PC or click ‘change destination’ and select ‘save as PDF’ if you’re using a Mac.

Santander

Log in to your online banking account.

Once logged in, select the account you wish to download statements for and click on ‘E-documents’ from the left-hand menu.

Select whichever statement you want to download. A PDF document will then be generated and your browser will give you the option to download it to the designated folder on your computer.

Tesco Bank

Log in to your online banking and select the account you wish to download statements for.

Select ‘Manage account’ and choose the ‘View your statements’ option.

Click the statement you wish to download and then click ‘Download’ to transfer it to your computer.

Yorkshire Bank

Log in and head to the section labelled ‘Your account’ on the right-hand side of your screen. From here, click on the ‘View and Download Statements” button.

You can then select ‘Print’ or ‘Download Statement’ at the bottom of the screen. When you have downloaded the statement to view it on the screen, you can print or save it from the PDF viewer.

Could I get declined for a mortgage because of my bank statements?

Mortgage lenders “can” reject your application based on what they see in your bank statements.

Usually, they’ll just need to clarify something with you or get some additional information, but depending on the issues, it could potentially be the difference between getting accepted or declined.

Here are the key things to look out for on your bank statements that could negatively affect your mortgage application:

  • Bounced payments and cheques
  • Evidence showing excessive gambling
  • Large deposits that are unaccounted for
  • Evidence of being overdrawn for long periods of time
  • Evidence of paying off a payday loan or other forms of undisclosed borrowing
  • It’s also advised to avoid any large purchases and moving a lot of money around in the months leading up to your mortgage application as it can be a red flag for some lenders

And of course, if you are unable to prove your deposit or income streams coming into your bank accounts then this stands a high chance of being rejected by the lender.

Prior to when we apply for a mortgage your application, your mortgage broker will be checking your most recent bank statements.

The mortgage lenders bottom line…

Not every lender will go through every transaction on your statements with a fine-toothed comb, but you should be prepared for the ones that do.

A bigger factor in the process is your credit report.

Some lenders upload your bank statements to a computer for an automatic check, others will have an underwriter complete a manual check, and some both.

It varies depending on whether you’re speaking to a bank, a building society, a specialist lender or a private bank. And it also depends on the type of mortgage you’re applying for and your individual circumstances.

In general, your bank statements are unlikely to make or break your mortgage application, but they could in some circumstances.

Speak to one of our mortgage brokers about your situation and find out what you’ll need for your specific mortgage application, call us today to arrange a telephone appointment with one of our trusted mortgage advisers.

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Jamie Alexander Mortgage Broker & Advisor
Jamie Alexander

At Alexander Southwell Mortgage Services we pride ourselves on giving easy to understand advice, removing unnecessary information to ensure getting a mortgage doesn’t become a tedious task around your general day to day routine. We aim to help you now, in the future and provide a service you would recommend to friends and family.

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