Here is a list of the key documents you will need to provide for your mortgage application.

Ideally you should bring these documents with you when you meet us. If you are making a joint application, documents will be required for each party to the mortgage.

If you are a PAYE employee

  • Your Pay-slips for the last 2 months.
  • Your most recent P60.
  • Salary Certificate (a standard form provided by the Bank for completion by your employer).

If you are Self Employed

  • Your last two years’ certified/audited accounts
  • Last 6 months business bank account statements (if business account is not with Bank of Ireland)
  • Other documents may be required if your business is not established for a full 2 years of if you are a sole trader or self-assessed.

All applicants

  • Last 6 months personal current account statements (if account is not with Bank of Ireland).
  • Last 12 months savings account statements showing build-up of funds (if account is not with Bank of Ireland).
  • Statements showing your last 12 repayments for any existing mortgage held with another financial institution
  • Statements for recent loans that are now closed (if not with Bank of Ireland).

Additional documents that may be needed for your application

  • You may also be required to provide identification documents and confirmation of your address. This is usually a current valid Passport or Driving Licence and recent utility bill.
  • Gift Letter (a standard form provided by the Bank to show that a gift does not need to be repaid).
  • Source of funds - this could include Government’s Help to Buy Scheme for First Time Buyers, evidence of inheritance or other source of funds that will contribute to the mortgage deposit.
  • Separation/Divorce Agreement.
  • Confirmation of rental income.
  • Confirmation of Tax Affairs (For self-employed or if you have any non-PAYE income).

If you are having your home built or making structural improvements

  • Your fixed price contract or detailed building costings.

Once your application is fully approved we will issue you with a legally binding Mortgage Offer Letter.

In the meantime, we will be happy to discuss this with you and answer any questions you might have.


Talk to us on 0818 200 429 or Find out more

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