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An offer letter can support an income claim, but only the employer can confirm that the job, the salary and the start date are real. For someone changing jobs, the letter is often the only income document in the file, because the first payslip from the new employer does not exist yet. A file check adds one narrow answer next to the employer’s confirmation: whether this PDF shows evidence of being changed after it was created.

Why the offer letter ends up carrying the file

An applicant has accepted a new job and starts in six weeks. The old payslips describe a salary that is about to end. The new salary exists on paper only: a PDF from the new employer stating the position, the pay and the start date.

Mortgage lending has a formal route for this case.…