When you have found a suitable property and your offer is accepted, get back in touch with us and we can finalise your mortgage application.
MTG SPLIT SECOND RULES FULL
You can find a full list of the documents here. If your accounts are not with Bank of Ireland you’ll also need to provide the last 6 months’ of your current account statements and 12 months’ savings account statements demonstrating regular saving. That means you’ll have to gather up documents like your payslips if you are employed and your most recent 2 years’ audited accounts if you are self-employed. Mortgage lenders generally want to see proof of your income and a record of your finances. – that you’ll need to provide so that your application can be fully assessed. We’ll also give you a list of the documents – salary information, bank statements, etc. Once you have started your application we’ll give you an outline of how much we could lend you based on the information you have provided (we call this a First Step Approval in Principle). You don’t have to have a property in mind at this stage.
When you have your deposit saved, it may be time to apply for your mortgage. Our MortgageSaver account 2 is designed to help you save the deposit for your home. Remember there are other expenses such as stamp duty, legal fees, home insurance and life cover – so you’ll need to save for those costs too.
If you’re a first-time buyer, you can apply for a mortgage of up to 90% of the value of a property. Make an appointment with a mortgage specialists in one of our branches or they can contact you at a time that suits you best. Step 2: Talk to our mortgage specialists.With our easy-to-use mortgage calculator you’ll get an indication of how much you could currently afford to borrow. Step 1: Find out how much you can borrow.