Mass affluent · Personal statements, any bank
The borrower with five income sources and no payslip
Portfolio landlords, company directors, consultants and pensioners hold more than one account and earn from more than one place. ExactSum reads all of it and returns a single affordability picture, with the source of every figure attached.
What comes back on every case
- 01 Rental, dividend, bonus, pension and investment income identified separately
- 02 Mortgage and property finance commitments sized across accounts
- 03 Savings behaviour and source of funds evidenced
- 04 A policy decision with the transactions that produced it attached
12 months
across every account supplied, read as one picture
99.4%
extraction accuracy, measured against manual review
Zero
data retention — Cyber Essentials certified
01 / The file
Complex income is not the same as risky income
These borrowers are usually the strongest on the book. They fail automated affordability because their money arrives in the wrong shape, not because they cannot pay.
01
Income across four accounts
02
Rental yields net of agent fees
03
Bonus and dividend timing
04
Foreign accounts and FX flows
05
Source of funds for a deposit
02 / What comes back
Every income stream, named and sized
Rental, dividend, bonus, pension and investment income are separated rather than averaged, so a borrower with five sources reads as one affordability picture.
Can they afford it?
Are they under stress?
Who are you actually lending to?
03 / Your policy
Your affordability policy, applied to complex income
Set how much weight each income type carries, your surplus floor and your source-of-funds requirements once. Complex cases are then assessed as consistently as simple ones.
Auto-Approve
Income, commitments and surplus all sit inside policy.
The case moves straight on, with the supporting evidence attached.
Refer
An income stream needs weighting, or source of funds needs a human view.
Routed to an underwriter with the triggering rules highlighted.
Decline
A hard rule failed — surplus below floor, or funds that cannot be evidenced.
Declined consistently, with the reason recorded for audit.
Every outcome links back to the transactions that produced it.
Read how the Decision Engine works →04 / What changes
What changes when the statement does the work
Strong borrowers stop failing
Income that arrives quarterly, annually or from five places is read as income, rather than dropping out of a test built for a monthly salary.
One picture, several accounts
Personal, business and savings accounts are read together, so transfers between them are recognised as transfers and not counted twice.
Source of funds, evidenced
Deposit funds are traced back through the accounts they came from, which is the part of the file that usually holds everything up.
05 / Coverage
Works when Open Banking doesn't
No consent, no integration. If the applicant can produce a statement, ExactSum can read it.
Any document
The bank's PDF, a scan, or a phone photo — all read the same way.
Twelve months, not ninety days
A full year of history where Open Banking shows a quarter.
Accounts APIs can't reach
Foreign accounts, business accounts, legacy banks, and applicants who decline to connect.
Also
Send us five complex cases you've already decided
We'll show you the affordability picture ExactSum returns for each one, including the income streams an automated test would have missed.