What documents do I Need to Make a Mortgage Application?

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Mortgages require a lot of specific documents, and it can be easy to get bogged down in the flood of paperwork you are going to have to deal with as a part of the mortgaging process. To help make sense of it all, here are some of the most important documents you will need in order to apply for a mortgage in Ireland.

  • Identification: One of the simpler items on this list, some form of ID is definitely necessary. A driver’s license is one of the best forms of photo ID, and you will also need to provide your social security as well to make it possible for your lender to verify your identity. Doing this helps prevent any potentially fraudulent claims.

  • Bank Statements: Any kind of account statements from previous months from your bank are required as a part of verifying your income as well as assets. Monetary gifts received should also be taken into consideration.

  • Retirement and Investment Accounts: Any data concerning long term savings should also be provided to your lender. Savings will benefit you when applying for a mortgage because it is money in reserve and makes you look like a candidate who is more likely to afford the entirety of the mortgage payments in the long term.

  • Proof of Income, Tax Returns: You will need to provide evidence to your lender concerning your income in the form of the last two years of W-2s and tax returns as well as pay stubs from the last 30 days. In the case where you are self-employed you must be prepared to provide statements concerning your annual profits and losses.

  • Mortgage Statements: If you already have a mortgage and are looking to get a new mortgage on a new piece of property, you should also provide your existing mortgage statement history. This aids your lender in calculating an appropriate debt-to-income ratio for your new property because it provides them with an understanding of what you are currently paying and what you can afford.
    • Your lender also needs this information to see if you actually have equity in your current property. If the situation concerning your current home is not good, there is a chance you will not be eligible to receive a mortgage loan for any new purchase of property.

  • Property Tax Bills: Similar to mortgage statements, if you already have a mortgage on a home and you want to take out another mortgage loan, lenders will need to look at your property tax bills. These bills will also help them calculate your new debt-to-income ratio.


  • Rent Checks: If you are not currently paying a mortgage on a home, but rather you are renting a property, you should provide your lender with copies of your past rent checks from the 12 months. Lenders request this kind of document to assess you as a potential lending risk. However, so long as you have paid each month’s rent in full and on time, you should not worry about being labeled as a potential lending risk by your lender.