Resolved Question

Can a mortgage lender,ask your bank for details of your earnings ?

ie.ingoings/outgoings, or must they except your word ?

Surely a bank can only answer to you ? unless it was a Police matter.

Best Answer - Chosen by Asker

They cannot ask without your written permission. Whether they accept your word or not is entirely up to them.

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Other Answers (4)

• 1-the only info teh bank will able to provide is your deposit amounts, not your gross pay - how would anyone besides you or your employer have access to your payroll information?
  2-most mortgage companies require you to provide a couple of recent bank statements,anyway, which would have the exact same info as they would get from a bank, as well as requiring you to provide a month's worth of paystubs
• most mortgage lenders will not ask for income confirmation from your bank, but they will ask your employee, in which what this really means is that you will have to provide a letter from your work that indicates how much you a make, or a recent paystub.
• They can ask you anything that they want.
  
  You can refuse to answer and they can decline the loan.
• Of course they can ask that info!! They do not have to ACCEPT your word for anything.