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Connect Income & Employment Data
Government Data

Income & Employment Data

Verified income, employment and tax data direct from HMRC — consented by the applicant via Government Gateway. Real PAYE data for affordability, income verification and lending decisions.

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HMRC
Overview

Consented PAYE data from Government Gateway

The applicant authenticates with their Government Gateway credentials and consents to share their HMRC data with Credit Canary. We pull verified PAYE income directly from HMRC — no self-reporting, no manual verification needed. Returns employment history, income by tax year, estimated payslips, tax codes, debts, and taxpayer information going back up to 3 tax years.

Perfect for affordability assessment, income verification, and fraud prevention in mortgage, unsecured lending and SME lending workflows.

6 Data
Tables per search
Taxpayer, employment, income & more
3 Years
Tax year history
Full PAYE employment record
Credit Canary Console — HMRC Income Summary
Income Summary
Tax Year: 2024–25
Status: Verified
Annual Taxable Income
£48,750
Tax Paid
£7,560
Take Home (Est.)
£41,190
Employers
1
Employment Details
Acme Corporation Ltd
PAYE Ref: 123/AB456789 • Started: Jan 2021
£48,750
Current year
What's included

8 verified HMRC data tables

Every search returns complete verified employment and income records.

Taxpayer Information

  • Name & date of birth
  • National Insurance number
  • Tax location & registration
  • Marriage allowance status

Employment History

  • Current & historical employers
  • Start/end dates & status
  • PAYE references & tax codes
  • Employment type classification

Income by Tax Year

  • Taxable income per year
  • Tax paid summary
  • Take-home income
  • Up to 3 years of history

Estimated Payslips

  • Monthly gross pay estimates
  • Tax & NI deductions
  • Student loan repayments
  • Actual vs estimated net pay

Income Transactions

  • Individual salary payments
  • Payment dates & amounts
  • Merchant/employer names
  • Tax year classification

Debts Information

  • Underpaid tax from prior years
  • Outstanding HMRC debts
  • Tax code adjustments
  • Debt descriptions & values

Tax Codes

  • Current tax code & basis
  • Previous tax codes
  • Allowances & deductions
  • Tax code change history

Benefits & Allowances

  • Company benefits in kind
  • State benefits received
  • Personal allowances
  • Benefit value & tax impact
Why Credit Canary

Built for income verification teams

More than just a data feed. Credit Canary gives you the tools to verify, decide and act on income data.

API-First Integration

Clean RESTful APIs with structured JSON responses. Integrate once and access HMRC data through a single endpoint with full documentation and sandbox.

Decisioning Ready

Feed responses directly into decisioning engines. Build rules, scorecards and workflows that act on verified income in real time.

Console Access

Run manual HMRC searches through the Credit Canary Console and view formatted summaries. Perfect for manual review or compliance checks.

Combine with Open Banking — verified income from two sources

Pair HMRC data with Open Banking to pull verified income from both government records and bank statements in a single workflow. Dual-source income verification for stronger affordability assessment.

Common questions

Frequently asked questions

Developer ready

Developer First

Everything you need to request and receive verified HMRC income data in real-time.

GET https://api.creditcanary.co.uk/v1/income/hmrc
// HMRC Income Data Response
{
  "applicationId": "A2512576807",
  "status": "complete",
  "taxpayerInfo": {
    "fullName": "John Smith",
    "dateOfBirth": "1985-03-15",
    "niNumber": "AB123456C"
  },
  "incomeData": {
    "taxYear": "2024-25",
    "taxableIncome": 48750,
    "taxPaid": 7560,
    "takeHome": 41190
  },
  "employmentHistory": [
    {
      "employer": "Acme Corporation Ltd",
      "startDate": "2021-01-10",
      "payeRef": "123/AB456789"
    }
  ]
}

Ready to connect?

Book a demo and we'll walk you through HMRC income verification — standalone or as part of your full affordability pipeline.

Book a Demo Developer Docs