Self-Employed & Individuals
Know What Lenders Will See
Before You Apply
Self-employed applicants and individuals can use AutoConvertPros to analyse their own bank statements before a mortgage application — understanding their income picture, spotting risk flags, and preparing a professional income summary in advance.
Free plan available · 1 statement per month · No credit card required
Who This Is For
AutoConvertPros is useful for any individual who wants to understand their bank statement from a lender's perspective — before their mortgage broker or bank does the same review.
Get a clear 3-month income average and consistency score from your business account — the same analysis your mortgage broker will need.
Irregular income patterns are common for contractors. See how your income consistency score looks before submission and identify months that may require explanation.
Check your own statement for gambling, BNPL, or overdraft activity before your broker does. Fix problems before they delay your application.
Generate a professional PDF income summary to provide to your mortgage broker as supporting documentation — saving time for both of you.
How to Use AutoConvertPros Before Your Mortgage Application
Log into your online banking and download the last 3 months of statements as a PDF. Most UK banks let you do this from the statements section. Password-protected PDFs are fully supported.
Create a free account and upload your PDF. Processing takes under 60 seconds.
See your 3-month average income, income consistency score, and variance percentage — exactly what lenders calculate when assessing your application.
AutoConvertPros highlights any gambling transactions, Klarna or Clearpay payments, overdraft usage, or other items that lenders may question. Better to know now than when your application is under review.
Download a professional PDF report to share with your mortgage broker as supporting documentation — or just keep for your own records before your appointment.
What You Get
See the same rolling average a mortgage lender will calculate from your statements. Know your number before your application is assessed.
Understand whether your income is seen as consistent or variable by lenders — critical for self-employed and contractor applicants where income fluctuates.
Gambling transactions, Klarna and Clearpay payments, overdraft usage, and payday loan patterns all flagged automatically. Address issues before they affect your application.
A clean, formatted PDF report you can share with your mortgage broker or lender as supporting documentation for your income verification.
Individuals can use the free plan — 1 statement analysis per month with a watermarked report. Enough for a pre-application income check.
Your bank statement is processed in the UK and deleted automatically within 60 minutes. No data retained, no data shared. ICO registered.
Frequently Asked Questions
Can AutoConvertPros help with self-employed mortgage applications?
Yes. AutoConvertPros analyses your bank statement and calculates your average monthly income across 3 months, classifies self-employed income separately from other credits, and generates a lender-ready income summary. This gives you a clear picture of what lenders will see before you apply — and highlights any risk flags that could cause issues.
What if my income varies month to month as a self-employed person?
AutoConvertPros calculates both your 3-month average income and your income variance percentage. A high variance (significant month-to-month fluctuation) is flagged with a consistency score — so you can see how lenders are likely to view your income pattern before submission.
Will AutoConvertPros detect gambling or BNPL transactions in my personal statements?
Yes. AutoConvertPros flags all gambling transactions (Bet365, Ladbrokes, etc.), Buy Now Pay Later payments (Klarna, Clearpay, etc.), overdraft usage, and other risk indicators regardless of whether the statement is for a mortgage or general income review. This gives you advance warning of anything that may affect a lender's decision.
Is my personal financial data safe?
Yes. Your bank statement is processed on UK servers and automatically deleted within 60 minutes of upload. AutoConvertPros is ICO registered and GDPR compliant. No data is retained, sold, or shared with any third party.
What format is the output report?
You receive a professional Excel workbook and a PDF report. The PDF is formatted as a lender-ready income summary — you can share it directly with a mortgage broker or lender as supporting documentation.
Also useful for:
Check your bank statement before your mortgage appointment
Free plan available. Know what lenders will see — before they see it.
Free plan available · No credit card required