Yes — but be prepared to prove your income in other ways. Lenders are wary of cash earnings unless they’re consistently deposited and documented.
💷 Why Lenders Don’t Like Unbanked Cash
Lenders want proof that your income is regular and reliable. If you’re paid in cash but don’t deposit it, they’ll struggle to assess your affordability — and may reject your application outright.
📂 What You’ll Need to Show
- Regular bank deposits that match your earnings
- Payslips if you’re employed and paid cash
- Invoices or job sheets if you’re self-employed
- HMRC records for declared earnings
🧠 How to Improve Your Mortgage Chances
- Start banking all cash income well in advance
- Declare all earnings on your tax returns
- Work with a broker who knows flexible lenders
- Consider saving a bigger deposit as reassurance
💬 Paid in Cash? You Still Have Options
Being paid in cash doesn’t mean you’re out of the running. Let’s prove your income the right way and match you with a lender that looks beyond the surface.
✅ Advice for employed and self-employed
✅ Guidance on how to prove income
✅ Lender-matching based on your setup