Media type · How the money was obtained
Source of funds
An explanation of where the money in an application came from.
Key facts
| Explains | How the money was obtained |
|---|---|
| Evidence | Payslips, contracts, tax records |
| Watch | Large unexplained deposits |
A paper trail beats an explanation
Source-of-funds questions are answered with documents created at the time, not with a narrative written after a query. Salary credits, invoices, a property sale or an inheritance each have a natural evidence trail.
If funds were accumulated over years, a savings history is stronger than a single large deposit, even when the total is the same.
Frequently asked questions
Do I need to explain every transaction?
Usually not every one, but large or unusual deposits can be queried. Be ready to document them.
Are loans acceptable?
Sometimes, if disclosed and documented, but some routes exclude borrowed funds. Check the rule before counting a loan in the balance.