Before applying for a mortgage, one should be sure they have all the necessary documentation. Typically, if one goes through a broker or chooses to go directly to a lender/bank, guidance will be provided on all the necessary paperwork and how to complete it. However, it can save applicants valuable time to try and get pre-approved by either lenders or brokers. In this case, they would likely need to take some initiative.
Documents required for approval and preapproval can vary depending upon the borrower and lender.
All borrowers will likely need:
Proof of ID Proof of Address Personal Public Service Number Proof of Income Financial Statements
Proof of identity can include things like a valid Irish driver’s license or passport. For proof of address, one might consider a utility bill, a tenancy or lease agreement, or government-issued documents that include said address.
Personal Public Service Numbers (PPSN) are issued by the Department of Social Protection (DSP). Non-residents can obtain a PPSN by applying for one with the DSP. Such an applicant will also need to provide proof of …