Document Checklist

1. Application Form

• Fully completed (pages 2, 3, 4, 5 & 6) and Signed (pages 7 & 8)                     

2. Photo Identification & Proof of Address     

• Current valid passport (must be in date and signed) or
• Current valid Irish, UK or European drivers Licence (must be in date and signed)
• Current Utility Bill or Bank Statement showing name and address

3. Employment & Income Documents

         (a) For Employee’s

• Attached Salary Certificate (stamped and signed by your employer)
• Employment Detail Summary (EDS)

       Go to https://www.revenue.ie/en/jobs-and-pensions/end-of-year-process/employment-detail-summary.aspx

• Last 3 month’s payslip’s (if paid weekly or fortnightly must show full 3 months)                                      
• If a tenant, evidence of rental payments or copy of tenancy agreement                                        
• If you require a work permit/visa to work in Ireland, we require a copy of your IRP (Irish Residence Permit) – Stamp 4 Card (front and back).

         (b) For Self Employed

• Last 3 Revenue Form 11’s and Chapter 4 confirmations                                  
• Tax Clearance Certificate (business & personal) or confirmation from your accountant that tax affairs (business & personal) are fully up to date and that no significant changes have occurred in the business since the date of the last accounts.
• Last 3 years Audited/Trading accounts                                      
• Landlords – copies of tenancy agreement.

4. Financial Statements           

• Last 6 months continuous Current Account Bank Statements                                                       
• Last 6 months continuous Savings Account statements                       
• Last 6 months continuous Credit Card statements (if applicable)
• Last 6 months continuous Loan statements (if applicable)                                      
• Last 6 months continuous Revolut statements (if applicable)
• Last 12 months Mortgage Statements (if applicable)
• Separation or Divorce agreement (if applicable)  
• If you have lived abroad within the past 3 years or have a bank account outside Ireland we require a foreign credit check from the relevant country in English

5. When proposed mortgage is for a New Home, with stage payments or “self build” the following documentation is required:           

• Costings template completed by Engineer or Architect         
• Copy of (a) plans, (b) site map, (c) full and final planning permission                               
• Architects interim program sent as required
• Copy of architect/engineers’ professional indemnity insurance                                                                                              
• Certificate of compliance with planning permission

         Very Important to Note

       Until such time as your Mortgage is drawn down you must do the following:-

• Continue to Save
• Remain in current employment
• Don’t enter into any new financial commitments
• Advise of any changes in your circumstances which may affect your application

       Please insure that you continue to keep statements and payslip’s as lenders may request them at any stage.