Income verification redaction is the removal of pay and banking data from a proof-of-income bundle. FCA MCOB 11.6 requires a mortgage lender to assess affordability against verified income and committed expenditure before the loan is agreed, which is why this bundle exists at all. UK GDPR and DPA 2018 set how that data may then be handled. anonym.plus marks each item locally, so the earnings record stays usable while the protected fields go.
When this applies
A bundle gathers payslips, a P60, and bank pages full of raw figures — exactly the verified-income evidence MCOB 11.6 expects a lender to hold. You strip the personal fields before the proof reaches a broker or a model, while the gross-pay totals the affordability check relies on stay in view.
How anonym.plus handles it
- Open the bundle in anonym.plus on your device.
- Local OCR reads scanned payslips and tax forms.
- The tool flags NI numbers, sort codes, and figures.
- Keep the gross-pay totals you must verify.
- Swap or black out the confirmed items.
- Save the clean copy locally.
What you need to provide
- The bundle (PDF, scan, or DOCX).
- An operator (Mask suits partial number display).
- Optional batch for many payslip pages.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Identifiers | UK_NINO | QQ 33 77 12 C → [NINO] |
| Names | PERSON | employee Quinn → [EMPLOYEE] |
| Money | MONEY | YTD £58,400 → [AMOUNT] |
| Sort code | UK_SORT_CODE | 20-00-00 → [SORT] |
| Organization | ORGANIZATION | employer name → [EMPLOYER] |
| Dates | DATE_TIME | pay date → [DATE] |
Compliance achieved
- Supports the verified-income evidence FCA MCOB 11.6 requires for an affordability assessment.
- Reads scanned payslips and tax forms via local OCR.
- Keeps the gross-pay totals the affordability check must verify.
- Offline work keeps the earnings proof off any server.
Anonymise income verification bundles offline — see plans & start free →
Limitations & cautions
OCR on faint payslips can miss a digit. Verify the flags on image pages so no full sort code or NI number slips through. An employer name plus a figure can still narrow identity, and redacting the bundle you share does not replace the affordability record MCOB 11.6 expects you to keep.
Frequently asked questions
Can it redact a scanned payslip?
Yes. Local OCR reads the image first, then flags the NI number, sort code, and pay figures so you can mask them before sharing a copy for review.
Will the verified gross pay survive?
Yes. Allow-list the gross total you must check under MCOB 11.6, while the sort code and NI number are masked, so the affordability arithmetic stays intact.
Does the bundle leave my machine?
No. The desktop app works offline, so the earnings proof stays internal, and the underlying affordability record you keep for compliance is unaffected by redacting a working copy.