CLICK TO SEE YOUR PAYSLIPS BEFORE YOU BUY
This is a question we get asked time and again, which always sets alarm bells ringing.
‘Fake’ suggests the buyer wants to provide false and misleading information to achieve a particular outcome, which usually wont end well. We feel a responsibility to discourage anything that might get users in trouble. Replacement Payslips Yes. Fake Payslips No (there's a big difference if you read on).
The days of submitting fake payslips for a mortgage application are well behind us. There was a time you could ‘self certify’ earnings and easily get a loan towards a house purchase. This undoubtedly contributed towards the property boom and subsequent crash of 2008.
House prices were in a rapidly inflating bubble and large gains could be made, so it was enticing to buy multiple properties to rent out. Banks had an easy attitude towards risk because they were grouping mortgages together and selling as a ‘security’. Anyway… long story short, the investments started to be viewed as risky because they had given mortgages to people who couldn’t afford them had interest rates risen. Inter-bank lending dried up because they didn’t trust each others balance sheets, and some banks collapsed. OK, it's a bit more complex but that's essentially true.
Anyway… back to today. Lending institutions tightened up procedures and started to asses affordability, and check proof of earnings. Payslips need to match bank statements and the other information held on file at the credit reference agencies, and are useless on their own.
There are suppliers of fake ‘replica’ or ‘novelty’ documents who offer bank statements and utility bills, but these can be easily identified by an experienced eye. You’ll pay a lot of money for documentation only to find it doesn’t match the extensive data already held on file about you raising a red flag.
Opinion, but I’d say it’s near impossible to get everything to match the other links in the chain and therefore a fast track to end in tears.
If you need replacement payslips based on genuine pay amounts, we can correctly reproduce them and they will tie in with all your other data indicators. If you want fakes... sorry we can't help.