What documents do I need for a mortgage application?

Get ahead with your mortgage application by knowing what documents you’ll need to have on hand. This mortgage application checklist provides general information on the standard documents typically required. Having these ready can help make sure you don’t miss anything and avoid losing valuable time during the application process.

Taking the first step onto the property ladder can feel daunting but knowing what documents are 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 will need to provide to a potential lender, helping you stay 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 (for example, buying a home or switching your mortgage from another lender) and whether you’re employed or self-employed. Generally, you'll 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 confirm 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 (your lender will normally provide a template).
   - If your income includes non-basic elements like bonuses or overtime, you may need to provide evidence to confirm these earnings.
   - For non-PAYE income, you must make sure that 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 give lenders a picture of your financial health and your ability to manage money. 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 statements, while others can confirm these details through your credit report.
   
   - Investment accounts: Statements from investment accounts, such as stocks, bonds, or retirement accounts to show additional assets.
   
   Lenders review bank statements carefully. Activities such as regular gambling, unauthorised overdraft use, referral fees, or unpaid items could negatively impact your application, as they may suggest poor money management.
    
5. Credit history: Lenders have to check your credit history through the Central Credit Register (CCR) before giving you loan approval. The CCR gives 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.

Lending criteria and terms and conditions apply. Applications from residents of ROI over the age of 18 only, and subject to repayment capacity, financial status and property valuation. We require property and life insurance.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.