Bank statements for a mortgage application: organise them in a spreadsheet

Mortgage lenders usually ask for several recent months of bank statements to check income, regular commitments and where a deposit came from. Lenders review the original statements; a spreadsheet is for your own preparation.

What lenders tend to look at

Regular salary payments, recurring outgoings such as loans and subscriptions, any large or unusual deposits, and overdraft use. Policies differ, so ask your lender or broker exactly what they need.

Build a one-sheet summary

Convert each month to a spreadsheet, add a category column, and filter for deposits above a threshold you choose. Note where each large deposit came from so you can answer questions quickly.

Keep the originals

Send the lender the statements in the form they request, usually the original PDFs from your bank. Do not edit statements you submit. Your spreadsheet is a checklist, not evidence.