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 borrower.
Most lenders look for information about your income, employment, living costs and existing loan repayments to help them decide whether you can afford to repay a loan.
If you are a PAYE employee, you will typically need to provide:
Your most recent P60 (original)
Your last three months’ payslips
We require your last six months bank account statements (if your personal account is not with Bank of Ireland).
- A Certificate of Income (a standard form provided by the bank for completion by your employer).
If you are Self Employed
Your last two years’ certified/audited accounts
We require your last six months business bank account statements (if business account is not with Bank of Ireland).
- Your accountant’s or auditor’s written confirmation that your personal/business tax affairs (PAYE/PRSI/VAT) are up to date, and your management figures for the current trading year.
You will generally be required to provide up to date statements for any loans or mortgages you currently have. 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.