How to Combine Bank Statements for a Mortgage Application (Securely)

The Mortgage Paperwork Headache

Applying for a mortgage involves a mountain of paperwork. Lenders often request the last 3-6 months of bank statements. Downloading these from your banking portal usually results in 6 separate PDF files. Sending them individually is messy and can delay your application.

Why You Shouldn't Upload Bank Statements Online

Bank statements contain your full name, address, account numbers, and spending habits. This is a goldmine for identity thieves. Uploading these unredacted documents to a random "Free PDF Merger" website is a massive gamble with your financial identity.

The Secure Solution: Merge locally with Handl

Follow these steps to safely combine your bank statements without ever uploading them to a third-party server:

Step 1: Gather Your Files

Download your statements as PDFs from your bank's portal. Rename them sequentially (e.g., "Jan.pdf", "Feb.pdf", "Mar.pdf") to make ordering easier.

Step 2: Open Handl PDF Merger

Navigate to Handl's Merge PDF tool. Remember, Handl runs entirely in your browser, so your financial data stays on your machine.

Step 3: Drag and Drop

Select all your statement PDFs and drag them into the drop zone. You'll see thumbnails of each document.

Step 4: Reorder and Merge

If the months are out of order, simply drag the thumbnails to rearrange them. Once satisfied, click "Merge PDF".

Step 5: Download

Your combined file will be ready instantly. Save it as "Full_Bank_Statements.pdf" and send it to your broker with confidence, knowing your data remained private throughout the entire process.