Mortgages | Bray, Co. Wicklow | Platinum Financial Planning

If you are a first time buyer or on the move we can help you secure the perfect mortgage.

If you wish to know what level of a mortgage you could qualify for you can download our enquiry form with the link below:

Below you will find a documentation checklist that you will need to accompany any application or you can download it here (Document Checklist PDF)

Employees

3 months’ up-to-date consecutive payslips are needed for each applicant to confirm basic salary.
Signed and Stamped Salary Certificate (Salary Certificate PDF) from your employer confirming permanency and basic salary.
Your P60 can be provided as well as payslips, but this includes all income (including bonus/overtime, etc.), so 3 months’ payslips are still needed to confirm your basic salary.
6 months’ recent bank statements (including 1 original).
6 months’ statements are required for any savings or investments for each applicant.
6 months’ statements are required for any borrowings for each applicant.
If you have a current mortgage, you will need to provide 6 months’ recent mortgage statements (including 1 original).

For Self-Employed/ Sole Trader/ Director of Limited Company

2 years audited/trading accounts (certified by your accountant).
Confirmation of tax position from your accountant.
Confirmation from your accountant that no significant changes have occurred in the business since the date of the last accounts.
Minimum 6 months’ recent personal and business bank statements.
Minimum 6 months’ statements for any borrowings.
3 years Revenue Notice of Assessment.
If you have a current mortgage, you will need to provide 6 months’ recent mortgage statements (including 1 original).

Equity input for Purchase

If you have been given funds to help with your mortgage, we need confirmation of it in writing and confirmation that it is non-repayable (gift letter).
Proof of the funds, in the donor’s name, may also be required.

Proof of Identity

You will need to provide suitable proof of identity and residential address:

Photo Identification – an original of any of the following documents:

Proof of address – you can provide an original of any of the following:

A utility bill (dated within the last 6 months)
A bank or building society statement issued in the last 6 months
Your Determination of Tax Credits for the current year
Your original household/health or motor insurance documents (less than 12 months old)
If you live abroad or bank abroad, a foreign credit check will be required.

For Self-Builds

Planning Permission and details of proposed size of the property (square feet/metres)
Copy of your fixed price contract or (B) if you are building by direct labour, a detailed schedule of build costs from your qualified architect, engineer or building surveyor.
Completed Valuation Report from an approved valuer, explaining the cost and estimated market value of the completed property (this will be required to issue a Letter of Loan Offer. But you shouldn’t arrange the valuation until your application has been approved in principle).

For New Houses

If the house is part of an estate development, the Structural Guarantee Certificate (which the builder will provide).
If the house is being built on your own site by direct labour, a letter from a qualified architect or civil engineer confirming that he/she:

Believes the resources are available to complete the building to a good standard.
Will supervise the construction throughout.
Will provide a Certificate of Completion, confirming that the building was constructed in accordance with its planning permissions and best practices.

If the house is being built on your own site by fixed-price contract, a copy of the contract – plus the original Structural Guarantee Certificate. Or a letter from a qualified architect or civil engineer confirming the contract price and the cover under the Structural Guarantee and stating that he or she will supervise the building construction through all stages.