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Mortgages for the self employed

  • 24-08-2015 4:19pm
    #1
    Eric Cartman
    Registered Users, Registered Users 2 Posts: 26,280 ✭✭✭✭


    Just wondering who either bank or broker would be the best to approach for a mortgage. I don't have a specific property in mind yet, the deposit isn't an issue but Id like to know what range I'm allowed to play in.


Comments

  • #2
    DublinDilbert
    Registered Users, Registered Users 2 Posts: 5,401 ✭✭✭DublinDilbert


    Eric Cartman wrote: »
    Just wondering who either bank or broker would be the best to approach for a mortgage. I don't have a specific property in mind yet, the deposit isn't an issue but Id like to know what range I'm allowed to play in.

    I found going to my own bank was best.

    Just be prepared for the usual sort of stuff, audited accounts up to 2014 and notice of assessments for 2012-2013. Also a letter from your accountant saying your tax affairs are up to date.


  • #3
    johnnyskeleton
    Moderators, Entertainment Moderators, Politics Moderators Posts: 14,551 Mod ✭✭✭✭johnnyskeleton


    DublinDilbert wrote: »
    I found going to my own bank was best.

    Just be prepared for the usual sort of stuff, audited accounts up to 2014 and notice of assessments for 2012-2013. Also a letter from your accountant saying your tax affairs are up to date.

    Weirdly Ive found that banks dont accept revenue documents as proof of earnings.


  • #4
    BobBobBobBob
    Registered Users, Registered Users 2 Posts: 245 ✭✭BobBobBobBob


    DublinDilbert wrote: »
    I found going to my own bank was best.

    Just be prepared for the usual sort of stuff, audited accounts up to 2014 and notice of assessments for 2012-2013. Also a letter from your accountant saying your tax affairs are up to date.

    I'm self employed and had to do all the above to get approval for a mortgage with BoI, I also had had to get a new contract because my current one was up in September.

    All the best.


  • #5
    Peregrinus
    Registered Users, Registered Users 2 Posts: 26,998 ✭✭✭✭Peregrinus


    johnnyskeleton wrote: »
    Weirdly Ive found that banks dont accept revenue documents as proof of earnings.
    It's not being offered as proof of earnings. It's being offered to show that the earnings you have proven with your other documents are not going to take a sudden dive when the Revenue catch up with you.


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