Document checklist

Here’s a list of the documents you need to apply for a mortgage.


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All applicants will need:

  • A current valid passport or driving licence as proof of identification
  • A recent utility bill (dated within the last 6 months) as proof of address. We do not accept mobile phone bills
  • Your last 6 months personal current account statements (if account is not with Bank of Ireland)
  • 6 months savings account statements
  • Statements showing your last 12 repayments for any existing mortgage held with another financial institution
  • Statements for recent loans that have closed within the last 6 months (if not with Bank of Ireland)
  • Proof of your Personal Public Service Number (PPSN)


You may also need:

If you’re a PAYE employee:

  • Your payslips for the last two months
  • A salary certificate completed by your employer (we’ll give you this form)
  • Confirmation of tax affairs (if you have any non-PAYE income)

If you’re self-employed:

  • Your most recent 2 years’ certified/audited accounts
  • 12 months business bank account statements
  • Confirmation of tax affairs
  • Other documents may be required if your business is not established for a full 2 years or if you’re a sole trader or self-assessed

If you’re a self-builder:

  • A fixed contract quotation or detailed costings for each element of the build
  • Proof of full planning permission
  • An initial valuation report completed by a member of our valuers panel
  • An Architect’s/Engineer’s/Building Surveyor’s initial report completed by your assigned qualified professional (we’ll give you this form)
  • A provisional Building Energy Rating (BER) certificate. A registered BER assessor in your area can do this. The Sustainable Energy Authority of Ireland (SEAI) has a national register of BER assessors

Additional documents all applicants can be asked for:

  • A gift letter signed by the gifter to show that a gift does not need to be repaid (we’ll give you this form)
  • Up to 3 years’ Employee Detail Summary from Revenue.ie if you’re relying on variable income (annual bonus, commission or over-time) to support your mortgage application
  • Your 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
  • A separation/divorce agreement
  • Confirmation of rental income
  • IRP card/Visa confirmation
  • Foreign Credit Bureau check (if you have been living outside the Republic of Ireland for a number of years)



Ready to start?

If you have all your documentation in order, you’re ready to get started.

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Lending criteria, terms and conditions apply. Over 18s only. Mortgage approval is subject to assessment of suitability and affordability. Home and life insurance will be required. You mortgage your property to secure the loan.

Bank of Ireland Mortgage Bank u.c. trading as Bank of Ireland Mortgages is regulated by the Central Bank of Ireland.

 


Information and legal notices

Legal and regulatory information for mortgages.

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