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mortgages

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  • 09-10-2006 11:36pm
    #1
    esperanza
    Closed Accounts Posts: 689 ✭✭✭


    What are the requirements to get a mortgage from Irish financial institutions?

    Does one have to present regular proof of income for a certain number of years?


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    #2
    roughan
    Closed Accounts Posts: 426 ✭✭roughan


    yes u will need

    3 x Payslips
    3 months bank statements
    a p60
    photocopy of drivers and or Passport
    salary cert
    and sign a load of things


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    #3
    esperanza
    Closed Accounts Posts: 689 ✭✭✭esperanza


    roughan wrote:
    yes u will need

    3 x Payslips
    3 months bank statements
    a p60
    photocopy of drivers and or Passport
    salary cert
    and sign a load of things

    I don't get any payslips, as I am self-employed. Invoices will do I guess.
    What if I don't keep my money in a bank, but under a mattress?


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    #4
    gonk
    Closed Accounts Posts: 144 ✭✭gonk


    esperanza wrote:
    I don't get any payslips, as I am self-employed. Invoices will do I guess.
    What if I don't keep my money in a bank, but under a mattress?

    Didn't seem to be a problem for Bertie Ahern . . .

    Seriously, though, banks want to see documentary evidence of your income. I'm self-employed too, and for me this has meant giving them copies of the company accounts. If you're in a cash business and the paperwork is sparse, it will make the application process more difficult and you may not get as big a loan as you could if you have paperwork for everything.


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