Mortgage loan changes

Add a borrower form

Mortgage Application form

Salary Certificate

You must specify whether you are (a) asking us to add the new borrower to the mortgage account or (b) asking us to add the new borrower to the mortgage account and also to add the new borrower as a joint owner of the property held as security.

We will need details and signatures from everyone associated with this account (new borrowers you want to add and borrowers continuing on the mortgage account). We also need some documentation (this is explained on the form). In some cases, we may ask you to send us certified copies of your documents. You can certify documents in your local branch or by contacting a solicitor or notary public.

• In-branch – Bring your completed forms and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed forms and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed forms once you have ALL your documents including any that need to be certified.

Please note: By returning these forms, you confirm that:

• The information you provided on the forms is complete and correct.
• You fully understand our requirements as set out in the forms.
• You give us your permission to contact your solicitor about this request.

To comply with anti-money laundering legislation, we need to confirm the identity of any new borrowers in person. To help us do this, the new borrower must bring the following to their local Bank of Ireland branch:

• Photo ID (valid passport card/book or driving licence)
  and
• Proof of address (utility bill or bank statement dated in the last 6 months)
• Marriage certificate (if they’re married and their ID documents are not in their married name)

A member of staff will certify these and update our system so that the change request on your mortgage account can progress. The new borrower will be provided with a document and a reference number which you must send to us with the rest of the required documentation.

Remember: If you need to change your address, you can do so using 365 online. Simply log in to 365 online, tap ‘Service Desk’ and select ‘Update Postal Address’ from the dropdown menu. You cannot change your address using the mobile or tablet app. If you’re not registered for 365 online, please enclose an instruction to update your address with this request or complete a change of address request form.

To amend the borrowers on an existing mortgage account and the ownership of the property held as security, you must appoint a solicitor.

You will be liable for your solicitor’s costs and fees associated with the request.

Remember: Where the property held as security is a ‘buy-to-let’ property, any change to the mortgage and ownership of the property, will also require a Bank of Ireland panel solicitor. You will also need to pay the Bank’s panel solicitor fee. The standard Bank of Ireland panel solicitor fee is €950 plus 23% VAT plus additional outlay (up to a maximum of €350).

Remove a borrower form

Mortgage Application form

Gift form for an existing mortgage loan

Salary Certificate

You must specify whether you are (a) asking us to remove a borrower from the mortgage account or (b) asking us to remove a borrower from the mortgage account and also to remove a borrower as a joint owner of the property held as security.

We will need details and signatures from everyone associated with this account (new borrowers you want to remove and borrowers continuing on the mortgage account). We also need some documentation (this is explained on the form). In some cases, we may ask you to send us certified copies of your documents. You can certify documents in your local branch or by contacting a solicitor or notary public.

If there is a buy-out or monetary settlement being made to the borrower being removed from the loan, you must tell us how that settlement will be funded (like a loan, savings, or gift), and provide evidence of those funds (like a recent statement from a reputable bank or financial institution).

If the buy-out or monetary settlement is from a gift, the donor of the gift must complete the attached gift form. We will also require documentary evidence that gifted funds have been lodged to a Republic of Ireland account in the name of the borrower or to your solicitor’s client account.

Please note: For borrowers being removed, please note the implications this will have on your credit history with the Central Credit Register (CCR). You will find more information on this in Step 4 under ‘Download important documents’ below.

• In-branch – Bring your completed forms and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed forms and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed forms once you have ALL your documents including any that need to be certified.

Please note: By returning these forms, you confirm that:

• The information you provided on the forms is complete and correct.
• You fully understand our requirements as set out in the forms.
• You give us your permission to contact your solicitor about this request.

To change the borrowers on an existing mortgage account and the ownership of the property held as security, you must appoint a solicitor.

You will be liable for your solicitor’s costs and fees associated with the request.

Remember: Where the property held as security is a ‘buy-to-let’ property, any change to the mortgage and ownership of the property, will also require a Bank of Ireland panel solicitor. You will also need to pay the Bank’s panel solicitor fee. The standard Bank of Ireland panel solicitor fee is €950 plus 23% VAT plus additional outlay (up to a maximum of €350).

Replace a borrower form

Mortgage Application form

Gift form for an existing mortgage loan

Salary Certificate

You must specify whether you are (a) asking us to add the new borrower to the mortgage account or (b) asking us to add the new borrower to the mortgage account and also to add the new borrower as a joint owner of the property held as security.

We will need details and signatures from everyone associated with this account (borrowers you want to add, borrowers you want to remove and borrowers continuing on the mortgage account). We also need some documentation (this is explained on the form). In some cases, we may ask you to send us certified copies of your documents. You can certify documents in your local branch or by contacting a solicitor or notary public.

If there is a buy-out or monetary settlement being made to the borrower being removed from the loan, you must tell us how that settlement will be funded (like a loan, savings, or gift), and provide evidence of those funds (like a recent statement from a reputable bank or financial institution).

If the buy-out or monetary settlement is from a gift, the donor of the gift must complete the attached gift form. We will also require documentary evidence that gifted funds have been lodged to a Republic of Ireland account in the name of the borrower or to your solicitor’s client account.

Please note:For borrowers being replaced, please note the implications this will have on your credit history with the Central Credit Register (CCR). You will find more information on this in Step 4 under ‘Download important documents’ below.

• In-branch – Bring your completed forms and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed forms and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed forms once you have ALL your documents including any that need to be certified.

Please note: By returning these forms, you confirm that:

• The information you provided on the forms is complete and correct.
• You fully understand our requirements as set out in the forms.
• You give us your permission to contact your solicitor about this request.

To comply with anti-money laundering legislation, we need to confirm the identity of any new borrowers in person. To help us do this, the new borrower must bring the following to their local Bank of Ireland branch:

• Photo ID (valid passport card/book or driving licence)
  and
• Proof of address (utility bill or bank statement dated in the last 6 months)
• Marriage certificate (if they’re married and their ID documents are not in their married name)

A member of staff will certify these and update our system so that the change request on your mortgage account can progress. You will be provided with a document and a reference number which you must send to us with the rest of the required documentation.

Remember: If you need to change your address, you can do so using 365 online. Simply log in to 365 online, tap ‘Service Desk’ and select ‘Update Postal Address’ from the dropdown menu. You cannot change your address using the mobile or tablet app. If you’re not registered for 365 online, please enclose an instruction to update your address with this request or complete a change of address request form.

Mortgage form to release security

Mortgage modification request form

Where the security to be released is a site or plot of ground, you or your solicitor must give us a map that is compliant with the Tailte Éireann requirements from a suitably qualified independent engineer or architect. The map must clearly identify the area of land to be released (crosshatched) as part of the rectification and the area of land to be retained. The map must also detail the dimensions of any areas being released or retained.

We will need details and signatures from everyone associated with this account. We also need some documentation (this is explained on the form). In some cases, we may ask you to send us certified copies of your documents. You can certify documents in your local branch or by contacting a solicitor or notary public.

• In-branch – Bring your completed forms and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed forms and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed forms once you have ALL your documents including any that need to be certified.

Please note: By returning these forms, you confirm that:

• The information you provided on the forms is complete and correct.
• You fully understand our requirements as set out in the forms.
• You give us your permission to contact your solicitor about this request.

Where a release of security is approved, you must appoint a solicitor.

You will be liable for your solicitor’s costs and fees associated with the request.

Remember: Where the property held as security is a ‘buy-to-let’ property, a Bank of Ireland panel solicitor may also be required. You will also need to pay the Bank’s panel solicitor fee. The standard Bank of Ireland panel solicitor fee is €950 plus 23% VAT plus additional outlay (up to a maximum of €350).

Mortgage form to rectify a boundary

Where the security to be released is a site or plot of ground, you or your solicitor must give us a map that is compliant with the Tailte Éireann requirements from a suitably qualified independent engineer or architect. The map must clearly identify the area of land to be released (crosshatched) as part of the rectification and the area of land to be retained. The map must also detail the dimensions of any areas being released or retained.

We will need details and signatures from everyone associated with this account. We also need some documentation (this is explained on the form). In some cases, we may ask you to send us certified copies of your documents. You can certify documents in your local branch or by contacting a solicitor or notary public.

• In-branch – Bring your completed form and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed form and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed form once you have ALL your documents including any that need to be certified.

Please note: By returning this form, you confirm that:

• The information you provided on the form is complete and correct.
• You fully understand our requirements as set out in the form.
• You give us your permission to contact your solicitor about this request.

Where your request to rectify a boundary is approved, you must appoint a solicitor.

You will be liable for your solicitor’s costs and fees associated with the request.

Remember: Where the property held as security is a ‘buy-to-let’ property, a Bank of Ireland panel solicitor may also be required. You will also need to pay the Bank’s panel solicitor fee. The standard Bank of Ireland panel solicitor fee is €950 plus 23% VAT plus additional outlay (up to a maximum of €350).

Mortgage modification request form

We will need details and signatures from everyone associated with this account.

To change the terms and conditions of your mortgage account(s), we need proof of income and bank or building society statements.

• If you’re a PAYE employee:
  1. Your most recent payslip
  2. Your last three months’ current account and credit card statements (unless these accounts are with us)
• If you’re self-employed:
  1. Your last two years’ certified accounts and personal tax return or tax balancing statement
  2. Your last three months’ current account statements for the business account (unless this account is with us)

Send your completed form and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Mortgage modification request form

We will need details and signatures from everyone associated with this account.

To change the terms and conditions of your mortgage account(s), we need proof of income and bank or building society statements.

• If you’re a PAYE employee:
  1. Your most recent payslip
  2. Your last three months’ current account and credit card statements (unless these accounts are with us)
• If you’re self-employed:
  1. Your last two years’ certified accounts and personal tax return or tax balancing statement
  2. Your last three months’ current account statements for the business account (unless this account is with us)

Send your completed form and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Mortgage modification request form

We will need details and signatures from everyone associated with this account.

You’ll need:

• A full copy of the finalised lease. This agreement must be fully completed and detail:
  • The address of the property,
  • The name of the lessee,
  • The amount of annual rent,
  • The term of the lease,
  • The rent review period or break clause.
• Your Bank of Ireland current account BIC and IBAN.
• Your consent to debit a fee of €31 to review the lease.

Please note: If you do not have a Bank of Ireland current account, please send a cheque or bank draft for €31 made payable to Bank of Ireland Group Legal Services.

Send your completed form and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Mortgage modification request form

We will need details and signatures from everyone associated with this account. If you have been declined life cover, you will need to give us a letter of decline from two life assurance companies.

• In-branch – Bring your completed form and your required documents. We will take copies of your documents and return the originals to you, immediately.
• By post – Send your completed form and your required documents to Modifications Unit, Financial Review Team, Bank of Ireland Mortgages, PO Box 13298, Dublin 18.

Only return your completed, signed form once you have ALL your documents including any that need to be certified.

Please note: By returning this form, you confirm that:

• The information you provided on the forms is complete and correct.
• You fully understand our requirements as set out in the forms.