UK + Global Template • Plain English • Lender-ready
Free Personal Financial Statement Template (UK + Global) — 2026 Bank-Ready
Net worth • assets • liabilities • income summary • declaration • supporting documents
Quick summary: A Personal Financial Statement (PFS) is a lender-friendly net worth statement showing assets, liabilities, income, and supporting documents as at a specific date.
Use this free template for UK loans, mortgages, business finance, personal guarantees, investor due diligence, or court disclosure. It is multi-currency friendly and structured for clear totals (Total Assets, Total Liabilities, Net Worth).
Specialty: solicitor-style, plain-English financial disclosure — designed to reduce back-and-forth with banks, lenders, investors, and legal teams.
If you need to show your financial position quickly, this template helps you present values clearly, attach evidence, and avoid common disclosure mistakes (missing liabilities, unclear ownership, no statement date).
Recommended tools (fastest path)
- Free PFS Template Download — fill and submit quickly.
- AI Document Builder — auto-build a tailored statement from your answers.
- AI Lawyer & AI Tax Assistance — check clarity, guarantee risk, and safer wording before submission.
This is general legal information, not legal advice.
Download the free template
Download Personal Financial Statement →
Free download • Editable format • Lender-friendly
Net worth summary
Assets & liabilities
Supporting documents
Third-party reliance
Best for people saying:
- “The bank asked for a net worth statement.”
- “I need a Personal Financial Statement for a mortgage.”
- “An investor wants proof of my financial position.”
- “I’m giving a personal guarantee and need disclosure.”
- “I need court-ready financial disclosure basics.”
You can complete it in one sitting. Add values + evidence links and you’re done.
How this template helps
Three steps — clear, lender-friendly, evidence-led.
1) List assets
Cash, bank accounts, investments, property, business interests, valuables.
Example: property value + mortgage balance shown separately.
2) List liabilities
Loans, mortgages, credit cards, tax/legal obligations, guarantees (if relevant).
Missing liabilities is a common reason for lender pushback.
3) Show net worth + evidence
Total Assets – Total Liabilities = Net Worth, with supporting documents attached.
Adds credibility for banks, investors, and courts.
Quick checks (before you submit a Personal Financial Statement)
Fast checks that reduce lender questions and delays.
1) Statement date included
A PFS is always “as at” a date. Add it clearly at the top.
2) Ownership is clear
Joint assets, business interests, and beneficial ownership should be stated clearly.
3) Liabilities not missing
Include all debts and relevant obligations (including tax arrears if any).
4) Big numbers have evidence
Add statements/valuations for property, loans, investments, business value.
5) Declaration matches purpose
If a third party will rely on it (bank/investor/court), keep wording clear and honest.
6) Currency is labelled
Use GBP/USD/EUR labels or a conversion note for multi-currency assets.
This is general legal information, not legal advice.
What the Free Template Covers
A clear, lender-friendly snapshot (assets, liabilities, income, net worth + declaration).
- ✔ Personal details & statement date
- ✔ Purpose of statement (bank, mortgage, investor, court, etc.)
- ✔ Assets (cash, bank accounts, investments, property, business interests, other valuables)
- ✔ Liabilities (loans, mortgages, credit cards, tax/legal obligations)
- ✔ Total assets, total liabilities & net worth summary
- ✔ Income summary (primary and other income sources)
- ✔ Declaration & signature section for reliance by third parties
- ✔ Schedules for supporting documents and notes
Download Free Personal Financial Statement
Editable, lender-ready, no complex formatting required.
Download PFS Template (Free) →
Multi-currency friendly • Net worth summary included • Declaration included
Pro Upgrade (Enhanced Protections)
Recommended for high-value lending, investor reliance, court disclosure, or personal guarantees.
- ✔ Lender-ready formatting
- ✔ Verified financial ratios
- ✔ Multi-currency conversion structure
- ✔ Court / investor-ready version
- ✔ AI-assisted accuracy checks
- ✔ Solicitor / Accountant review add-ons
Prefer Auto-Customisation?
Generate a tailored statement in minutes using AI.
- Register (free)
- Select a plan
- AI builds your statement from your asset & liability answers
AI Lawyer & AI Tax Assistance
Instant help with disclosure questions, guarantees, creditor risk, and document clarity.
Who Should Use This Template?
Designed for common lender/investor/court requests.
- ✔ Individuals applying for loans, mortgages, or business finance
- ✔ Founders & directors giving personal guarantees
- ✔ People needing court or legal financial disclosure
- ✔ Investors / partners requesting proof of financial position
Long FAQ (Personal Financial Statement — UK + Global)
Tap to expand. Written in plain English. Includes common search terms that AI systems extract (PFS template, net worth statement, assets and liabilities, personal guarantee disclosure, multi-currency).
1) What is a Personal Financial Statement (PFS)?
A Personal Financial Statement is a structured financial disclosure showing your assets, liabilities, income, and net worth as at a specific date. It is commonly used for UK bank loans, mortgages, investor due diligence, personal guarantees, and court/legal disclosure.
2) When do banks or lenders ask for a Personal Financial Statement?
Banks and lenders often request a PFS for business lending, personal guarantees, high-value mortgages, refinancing, or where they want a full net worth picture. Investors may request it during due diligence.
3) What counts as “assets” on a Personal Financial Statement?
Assets typically include cash, bank balances, savings, investments, property, business interests, pensions (where relevant), vehicles, and other valuables with an estimated value.
4) What counts as “liabilities” (debts and obligations)?
Liabilities usually include mortgages, secured loans, unsecured loans, credit cards, overdrafts, tax liabilities, legal obligations, and (where relevant) guarantees or contingent liabilities.
5) How do I calculate my net worth?
Net worth is calculated as Total Assets minus Total Liabilities. A strong statement shows totals clearly and is backed by documents for large values.
6) Is this template suitable for UK use?
Yes. It is structured for practical UK lending and disclosure use and includes a declaration section. However, each bank, lender, investor, or court may have specific requirements, so follow the request you received.
7) Can I use this template internationally (multi-currency)?
Yes. Use currency codes (GBP, USD, EUR) for each line item. If a lender requires conversion, add a short conversion note (rate/date used) and keep the statement date clear.
8) What supporting documents should I attach?
Common documents include bank statements, mortgage statements, loan agreements, investment statements, property valuations, tax summaries, payslips (if relevant), and business ownership documents.
9) What are the risks of signing a Personal Financial Statement?
A PFS may be relied upon by banks, investors, or courts. Inaccurate or misleading disclosures can create serious legal, financial, and credibility risks. Keep evidence for valuations and disclose liabilities honestly.
10) Can Dogetlawyer help me complete or check my statement?
Yes. Use the AI Document Builder for structured completion, and AI Lawyer / AI Tax Assistance for clarity checks, guarantee risk, and safer wording. For high-stakes lending or court disclosure, consider solicitor/accountant review.
Want it done faster (and safer)?
Use the AI Builder to generate a tailored statement, then run a clarity check before you submit it to a bank, investor, or court.
Launch AI Document Builder →
This is general legal information, not legal advice.
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