What documentation do I need?

These are the documents you should be in a position to provide up front with your application:

If you are a PAYE employee

  • Your Pay-slips for the last 2 months.
  • Your most recent P60.
  • Salary Certificate (a standard form provided by the Bank for completion by your employer).

If you are Self Employed

  • Your last two years’ certified/audited accounts
  • Last 6 months business bank account statements (if business account is not with Bank of Ireland)
  • Other documents may be required if your business is not established for a full 2 years of if you are a sole trader or self-assessed.

All applicants

  • Last 6 months personal current account statements (if account is not with Bank of Ireland).
  • Last 12 months savings account statements showing build-up of funds (if account is not with Bank of Ireland).
  • Statements showing your last 12 repayments for any existing mortgage held with another financial institution
  • Statements for recent loans that are now closed (if not with Bank of Ireland). Additional documents that may be needed for your application
  • 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.
  • Gift Letter (a standard form provided by the Bank to show that a gift does not need to be repaid).
  • Source of funds - this could include Government’s Help to Buy Scheme for First Time Buyers, evidence of inheritance or other source of funds that will contribute to the mortgage deposit.
  • Separation/Divorce Agreement
  • Confirmation of rental income
  • Confirmation of Tax Affairs (For self-employed or if you have any non-PAYE income).

If you are having your home built or making structural improvements

  • Your fixed price contract or detailed building costings.
Last updated: May 15, 2017

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