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:
Platinum Financial Mortgage Inquiry Form PDF
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:
- Your current national passport or
- Your current valid Irish, UK or European drivers licence (with photo) or
- Your EU National Identity Card (EU country)
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.