Get ahead with your mortgage application by knowing what documents you’ll need to have on hand. This mortgage application checklist is intended to provide general information on the standard documents required and ensure you don’t miss anything and avoid losing valuable time.

Taking the first step onto the property ladder can feel daunting, but knowing the documents required for a mortgage application and having them ready ahead of time, will make your mortgage application much easier.

In this blog, we'll walk you through the essential documents you need to arrange for your potential lender, ensuring you're well-prepared and organised throughout the mortgage application process.

Mortgage application checklist

The documents required for your mortgage application will vary depending on what you need the mortgage for (i.e. buying a home or switching mortgage from another lender) and whether your employed or self-employed. Generally, you'll typically need to provide the following:

1. Proof of identification: You'll need to provide photo ID, such as an Irish driver’s license or a valid passport.
2. Proof of address: You can provide a recent utility bill or bank statement to verify your address.
3. Details on your employment and income: Depending on your employment status, here’s what you’ll need to provide:
   
   For employees:
   - Your most recent Employment Detail Summary from Revenue (P60).
   - Your most recent payslips (normally three if paid monthly, or four otherwise).
   - A Salary Certificate from your employer (the lender will provide a template).
   - If your income includes non-basic elements like bonuses or overtime, you may need to provide evidence to verify these earnings.
   - For non-PAYE income, you must ensure your taxes are up to date. You can provide either:
   Payments statement from Revenue, available on the Revenue Online Services (ROS) website or a letter from your accountant confirming your tax compliance.
   
   For self-employed individuals:
   - Your most recent audited/certified accounts for the past two years.
   - Six months' recent personal and business bank statements.
   - Confirmation from your accountant that: Your tax affairs are up to date, details of your current year earnings, no significant changes have occurred in the business since the date of the last accounts.  
    
4. Financial statements: Your financial statements provide a snapshot of your financial health and demonstrate your ability to manage money responsibly. Key financial documents required include:
   
   - Bank statements: Statements from your current accounts for the past six months. These statements show your savings habits, regular deposits, and any large transactions. Some lenders may also ask for your savings statements.
   
   - Information on existing borrowings: For any borrowings, such as personal loans, car finance or credit cards, you’ll need to provide detail on the current balance, monthly payments, and terms of repayment. Some lenders may require the statements, while others do not, as they can verify your borrowings on your credit report.
   
   - Investment accounts: Statements from investment accounts, such as stocks, bonds, or retirement accounts to demonstrate additional assets and financial stability.
   
   Lenders review bank statements closely. Activities like frequent gambling, unauthorised overdraft use, referral fees, or unpaid items could negatively impact your application, suggesting financial instability or poor management of funds.
    
5. Credit history: Lenders are obliged to check your credit history through the Central Credit Register (CCR) before giving you loan approval. The CCR provides a detailed report on your credit score, existing debts, and repayment history. To prepare, you could obtain a copy of your credit report from the Irish Credit Bureau (ICB) or the Central Credit Register (CCR). This report will show your credit score, existing debts, and repayment history.
    
6. If buying a new home, detail on your deposit: You’ll need to provide evidence that you have the means to fund the deposit and other costs (such as legal fees and stamp duty). This could be from a savings statement, equity in your current home (if moving) or other sources (such as investments).

How to Apply for a Mortgage with Avant Money

For information on how to apply for a mortgage with Avant Money, visit Avant Money Mortgages.

The above content of this blog is intended to provide general information only and does not constitute financial or professional advice or recommendations from Avant Money. Readers should always seek independent professional advice and not solely rely on the information within the contents of this blog.

For more information on Avant Money mortgages, please visit https://www.avantmoney.ie/mortgages

Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.