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:
If you are self-employed:
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.
You may need to provide your last years’ Employee Detail Summary from Revenue.ie if you are relying on variable income to support your mortgage application
If your application is approved in principle, the following are examples of documents that you will also be asked to provide:
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Bank of Ireland Group plc is a public limited company incorporated in Ireland, with its registered office at 2 College Green, Dublin, D02 VR66 and registered number 593672. Bank of Ireland Group plc, whose shares are listed on the main markets of the Irish Stock Exchange plc and the London Stock Exchange plc, is the holding company of Bank of Ireland.
Bank of Ireland is regulated by the Central Bank of Ireland. In the UK, Bank of Ireland is regulated by the Central Bank of Ireland and authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.