Brought to you by EBS
We’ve teamed up with EBS to bring you a nifty checklist.
If the very idea of applying for a mortgage sends you into a tailspin, then don’t worry you’re definitely not alone.
Applying for a mortgage can seem like a daunting task, and if you’re not clear on what you need to get started, you might feel particularly overwhelmed.
The good news? We’ve outlined all the documents you need to get a mortgage below, so you can use this article as a handy checklist to tick off.
According to the Mortgage Advisors at EBS, here are all the documents you need:
– ID
– Proof of address.
– Fully completed and signed application form.
– 6 months bank statements for all your accounts (or 3 months if you’re switching mortgages to EBS).
– 6 months recent statements from your savings, investments or borrowings, including mortgages.
– A foreign credit check in English if you’ve lived abroad in the past three years or if you have a bank account outside of Ireland.
– If you’re separated or divorced, a copy of the separation agreement or a solicitor’s written confirmation of any financial obligations and/or maintenance payments stipulated in the separation agreement.
– Your original Irish Residency Permit if you require a work permit/visa to work in Ireland.
If you’re an employee, you’ll need:
– Your last three payslips.
– Certificate of income.
– Employment detail summary.
– Revenue documents to confirm your declared level of income if you are in receipt of income that is not included in your employment contract.
– If you have a non-PAYE income, you’ll need a ROS Charges and Payment statement confirming your tax is paid or a letter from your accountant confirming your tax affairs are in order, including any Revenue arrangements that may be in place.
– Valuation report – you will be advised when this is required, so you don’t need to arrange this prior to application.
– EBS income certificate to be completed and stamped by your employer confirming your permanency and basic salary.
– If you want to borrow past the age of 68, confirmation from your employer of your intended retirement date.
– 3 years of your most recent statements of earnings to confirm your track record of earnings if your income is performance related, made up of non-basic income of if you’re on a contract.
– A letter from your employer confirming your return date if you’re currently on leave from work.
If you’re self-employed, you’ll need:
– 2 years of trading accounts certified by your accountant.
– 2 of your most recent Revenue acknowledged Forms 1 1.
– Confirmation of tax position from your accountant or ROS Charges and Payments Statement.
– Minimum 6 months (3 months if you’re switching mortgage to EBS) of your recent current account bank statements for the business account.
– Minimum 6 months of the most recent statements for any borrowings for the business account.
Got questions? EBS are here to help. Head to EBS.ie to learn more.
Lending Criteria, Terms & Conditions apply. Over 18s only. Security may be required. EBS d.a.c. is regulated by the Central Bank of Ireland.
