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First, make sure you understand the Central Bank’s mortgage lending rules:
First-time buyers: You’ll need a 10% deposit of the property price.
Second or subsequent buyers: You’ll need a 20% deposit.
Once you have your deposit ready, gather the required documents to show the lender you’re organised and serious about your application.
Proof of Identification:
A valid photo ID such as a passport or driver’s licence.
Proof of PPSN (Personal Public Service Number):
Found on documents like payslips, tax assessments, or Revenue correspondence.
Proof of Address:
Provide a recent utility bill or bank statement.
Proof of Income:
Recent Employment Detail Summary (formerly P60).
Three months of payslips.
If you have irregular income (like overtime or contracts), you may need three years of income history.
If self-employed, provide proof that your taxes are paid, either from Revenue or a letter from your accountant.
Proof of Employment:
A stamped and signed Salary Certificate from your employer confirming your position and salary.
If you’re on leave, include a letter confirming your return date.
Bank Statements:
Six months of bank statements showing good financial habits:
Make rental or savings payments through your account, not in cash.
Clearly label payments for rent and savings.
Avoid gambling, unpaid fees, or frequent overdrafts.
Credit Card and Loan Statements:
Lenders will check your credit history through the Central Credit Register (CCR).
Avoid late payments or missed payments, as these stay on your record for five years.
Set up a direct debit to pay off your credit card in full each month if possible.
If You’re Self-Employed:
Two years of certified/audited financial accounts from your accountant.
Six months of business bank statements.
Two to three years of Revenue Notices of Assessment and a Tax Clearance Certificate.
If You’re Building Your Own Home:
A site map.
Building plans and cost estimates.
Planning permission with at least 18 months remaining.
A valuation report and inspection certificate from your architect or engineer.
If You’re Switching Mortgages:
Your new lender will provide a mortgage switching pack with instructions and forms to complete.
We’re here to make the process easier for you. We’ll guide you through gathering the right documents and help you present them clearly to your lender or broker. This can save time and show the bank that you’re well-prepared and financially responsible.
If you’re unsure about anything, just ask—we’re here to help every step of the way.