Mortgage Brokers
Bank Statement Analysis
Built for UK Mortgage Brokers
Stop spending 40 minutes manually reviewing every client bank statement. AutoConvertPros processes any UK bank statement PDF in under 60 seconds — extracting income averages, detecting risk flags, and generating a lender-ready report automatically.
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The Problem With Manual Bank Statement Reviews
UK mortgage brokers typically spend 20–40 minutes manually reviewing each client's bank statements before submission. For a busy broker handling 10–15 cases a week, that's up to 10 hours of manual work — scrolling through transactions, checking for gambling activity, calculating 3-month averages, and trying to spot every Klarna payment or overdraft incident buried in hundreds of lines.
A single missed risk flag — one Bet365 transaction, one Clearpay payment, one month where the client dipped into their overdraft — can trigger a lender query, delay the application, or result in a declined case. The consequences of manual review errors are significant.
Manual review of 3 months of transactions is slow, tedious, and takes time away from client advisory work.
Gambling payments, BNPL, and overdrafts hidden in hundreds of transactions are easy to overlook under time pressure.
Without a standard format, different brokers present income data differently — leading to lender queries and rework.
Time spent on manual reviews directly limits how many cases you can handle — capping your income potential.
How It Works for Mortgage Brokers
AutoConvertPros fits directly into your existing mortgage case workflow. No training required, no integration needed — just upload the PDF and download the report.
Your client sends you their bank statement PDF — downloaded directly from their online banking. Password-protected statements from Lloyds, Barclays, and other UK banks are fully supported.
Drag and drop the PDF into AutoConvertPros. Add your case reference so the report is easy to find later. The upload takes seconds.
Our engine extracts every transaction, calculates 3-month income averages, classifies income sources, and runs risk detection across all known gambling sites, BNPL providers, and overdraft patterns.
Download a professional Excel workbook and PDF report. The Excel includes a summary sheet, monthly breakdown, full transaction list, and a risk flags sheet. The PDF is formatted for lender submission.
Attach the report to your case file and submit. If lenders raise queries about specific transactions, you have a full documented audit trail ready.
Risk Flags AutoConvertPros Detects Automatically
These are the exact categories UK mortgage lenders scrutinise during underwriting. AutoConvertPros checks for all of them on every statement — so nothing gets past you before submission.
What Mortgage Brokers Get
Works with all major UK banks including Lloyds, Barclays, HSBC, NatWest, Santander, Nationwide, Monzo, Starling, and 7 more. Password-protected PDFs fully supported.
Rolling averages calculated automatically across January, February, and March. Consistency score and variance percentage included — exactly what lenders want to see.
Every gambling transaction, Klarna payment, and overdraft incident is flagged automatically with the date, amount, and merchant name. Nothing gets missed.
Download a multi-sheet Excel workbook and a professionally formatted PDF — both ready to attach directly to your mortgage case file or send to a lender.
Reducing bank statement review time from 40 minutes to 60 seconds means you can process more cases without increasing your working hours or headcount.
All uploaded statements are processed in the UK and automatically deleted within 60 minutes. ICO registered. No client financial data is retained or shared.
Frequently Asked Questions
Which UK banks does AutoConvertPros support for mortgage cases?
We support 15+ major UK banks including Lloyds, Barclays, HSBC, NatWest, Santander, Nationwide, Halifax, TSB, Monzo, Starling, Metro Bank, First Direct, Co-op Bank, Virgin Money, and Revolut. Password-protected PDFs are fully supported — including Lloyds and Barclays statements which are locked by default.
What risk flags does AutoConvertPros detect for mortgage applications?
AutoConvertPros automatically detects gambling transactions (Bet365, Ladbrokes, Paddy Power, William Hill, Sky Bet), Buy Now Pay Later payments (Klarna, Clearpay, Laybuy, Zilch), overdraft usage and frequency, payday loan repayments, unusual or large cash deposits, and returned payments or bounced direct debits. These are the exact risk categories UK lenders scrutinise during underwriting.
How accurate is the income analysis for mortgage income verification?
AutoConvertPros calculates rolling 3-month income averages, classifies income by source (employment, self-employed, benefits, rental), and generates a consistency score with variance percentage. Results should be independently verified before submission — we provide the analysis tool, not a professional financial opinion.
Can I use AutoConvertPros for self-employed mortgage applicants?
Yes. AutoConvertPros classifies self-employed income separately from employment income, identifies irregular payment patterns common in self-employment, and flags months with significant income variation. This is particularly useful for sole traders and contractors applying for mortgages where income verification is more complex.
How long does it take to process a bank statement?
Most statements process in under 60 seconds. The tool extracts all transactions, calculates income averages, runs risk detection, and generates your Excel and PDF reports automatically. No manual data entry required.
Is AutoConvertPros GDPR compliant for mortgage broker use?
Yes. All uploaded files are processed on UK servers (London, eu-west-2) and automatically deleted within 60 minutes of upload. AutoConvertPros is ICO registered and fully GDPR compliant. No client data is retained beyond 60 minutes and nothing is sold or shared with third parties.
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Ready to process your first statement?
Try AutoConvertPros free. Upload a statement and get a lender-ready report in 60 seconds.
7-day free trial · Card required, no charge during trial · Cancel anytime