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Original poster

What can I do to get proof of income

27 replies

evylene · 03/11/2023 07:34

I get paid in cash, but I need to reflect my salary in the Bank Statement. Because I need to apply for a mortgage. What can I do to get proof of income?

OP posts:
Flipdiddle · 03/11/2023 07:36

Absolutely no chance I’m afraid of getting a mortgage if you’re paid in cash

and watch yourself as they may report you to HMRC as I’m guessing you’re a bit lax with reporting

Flipdiddle · 03/11/2023 07:37

And you asked this question 6 weeks ago for a visa application 🤔

Wwwnothingdotcom · 03/11/2023 07:38

Cash as in untaxed or cash as in all deductions done and instead of bank transfer you get cash?

Interested in this thread?

Then you might like threads about this subject:

General money
Thenewnewme · 03/11/2023 07:38

Cash in hand or are you paying tax?

Wwwnothingdotcom · 03/11/2023 07:38

Flipdiddle · 03/11/2023 07:37

And you asked this question 6 weeks ago for a visa application 🤔

Aaaah

crackfoxy · 03/11/2023 07:48

P60?

RaininSummer · 03/11/2023 07:55

That's one of the problems when people try to fiddle the system. If your employer has reported you wages as they should, I expect you can get a p60 to show earnings. If not then you have a problem.

Sirzy · 03/11/2023 07:56

If you have the HMRC app that will show what you are paid each month (assuming you’re not trying to fiddle the system!)

Snowdropanddiddums · 03/11/2023 07:59

Your wage slips will show your income. And you should have a P60 for each financial year - your employer will have given you this.

Flipdiddle · 03/11/2023 07:59

RaininSummer · 03/11/2023 07:55

That's one of the problems when people try to fiddle the system. If your employer has reported you wages as they should, I expect you can get a p60 to show earnings. If not then you have a problem.

An employer paying in cash is very unlikely to be reporting accurately

Palmasailor · 03/11/2023 08:01

Its fine to be our in cash if you declare it and pay the tax on it.

So file a tax return, declare the cash income and pay the tax.

The tax return and your tax payment summary would be proof.

Justleaveitblankthen · 03/11/2023 08:03

Am guessing the OP could be self employed?
My hairdresser only accepts cash payments.
It's unusual, but not unique.

Amberlady · 03/11/2023 08:04

Cash in hand - as in under the radar?
Paid in cash but get a paye payslip with tax deducted etc?
Self employed or sub contractor and need to declare your own tax ?
which are you ?

endofthelinefinally · 03/11/2023 08:05

Wage slips and tax returns.

Flipdiddle · 03/11/2023 08:06

If the op received payslips…
then the op would not have started this thread

😐

MrsBennetsPoorNerves · 03/11/2023 08:08

Ask your employer for proof of income if you're employed and don't have pay slips.

Use your tax records if you are self employed.

margotrose · 03/11/2023 08:09

It's fine to be paid in cash but you need proof of payment - either via a wage slip if you're employed or via receipts and invoices if you're self-employed.

Badbadbunny · 03/11/2023 08:09

Payslips, P60, tax returns, and you can get a screen print from the HMRC app of your wage for the past few years.

All assuming, of course, that when you say "paid in cash", you just mean properly reported/declared but cash paid, i.e. working in a "cash" business like a shop or cafe.

If you mean "paid in cash" as in tax/benefit fraud, then you're screwed I'm afraid, and rightly so! No bank nor building society will give you a mortgage without some kind of "official" proof of your declared income!

PonyPatter44 · 03/11/2023 08:10

If by some weird chance this is for real.. .you need to declare your earnings to HMRC and do a tax return.

If you've got no physical proof of income - payslips or self-employed accounts, you won't be getting a mortgage.

Changingplace · 03/11/2023 08:14

If you’re paid cash you still need to do a tax return and pay your taxes as self employed, loads of people are self employed and get mortgages, you need to show your tax returns.

If you’re not doing a tax return you need to start, you can’t just get paid cash, not declare it officially and get a mortgage.

CalistoNoSolo · 03/11/2023 12:42

Justleaveitblankthen · 03/11/2023 08:03

Am guessing the OP could be self employed?
My hairdresser only accepts cash payments.
It's unusual, but not unique.

Anyone 'self-employed' and only accepting cash is on the fiddle. For me (actually self employed and paying tax on all earnings) cash is a pita and costs money to bank.

UdderlyPumpkin · 03/11/2023 12:44

Since you’re paid in cash you can use your self assessment tax returns if you’re doing it self employed, or your wage slip.

or do you mean you’re paid ‘under the table’

Motnight · 03/11/2023 12:59

Flipdiddle · 03/11/2023 07:37

And you asked this question 6 weeks ago for a visa application 🤔

How bizarre!

VanCleefArpels · 03/11/2023 13:05

Invoice your clients and put the money in a dedicated business bank account, do your tax return at the end of the tax year. Simples

INeedNewShoes · 03/11/2023 13:20

There's nothing you can do to prove past income. If you have no proof of income then we can only assume that you have not been reporting your income to HMRC. What you can do from today is:

-set up a bank account
-send a message to all your clients with the details of the bank account and ask that all payments are made into that account from now on
-set up a table or spreadsheet where you record every transaction for your business. Every bit of income or expenditure to be listed to tally with the payments showing on your bank account
-contact HMRC. You must declare your income if you are receiving any benefits/tax credits/universal credit and you must file a tax return

If all of the above sounds too complicated you need to get help to do it.

Don't put it off. If you are earning money that you are not declaring you will eventually have a big problem. I know a girl who served time in prison for not declaring her income as her benefits had been overpaid to her for years on the grounds that she wasn't fit to work but she actually had a full time salary. Start doing things properly before you are found out.