Checking your income is practically pointless anyway, you could employed today and then unemployed 2 days after the agreement is signed. All it really confirms is your current capactity, and most people lie about thier outgoings anyway (not all credit and bills are on your credit records).
The only real indicator of a payer is history. There'll be plenty of people who kept up payments, even if they lost thier income, these are the people they want to do business with. I've seen enough credit histories to know that there are plenty of the other kind, who could afford to pay their debts, but don't bother.
Best ever excuse for a missed mortgage payment, "I needed a new phone."
"So tell me Mr X why on earth would I arrange this secured loan for you?"