AIB, BOI, ULSTER BANK,
PTSB EBS MORTGAGES
APPLICATION FORM QUESTIONS
Thinking of applying for a mortgage?
Here is a selection of the detailed questions mortgage lenders will ask you before considering your application.
Obviously you will need to give personal details such as
your name, address, phone number, date of birth &
number of dependents (if any).
Also you will be asked how long you have lived at your
current address as well as details of your previous address
if you moved less than 3/5 years ago.
Other questions regarding your present accommodation, i.e. rented, sharing, living with parents, will be asked.
You may also be asked questions regarding your married/seperated/divorced status. If you are currently living in rented accommodation, your parents address and phone number may be required.
If the mortgage application is a joint one, then details of the second applicant will also be needed.
You will be asked to indicate the reason for your application:
You will be asked questions regarding your current employment status such as:
You will be asked for details regarding your employer such as:
Self Employment Details
If you are self employed you will be asked about your personal financial details.
Self employed applicants will need to submit copies of their last three years audited accounts, accompanied by their accountant's confirmation of the applicant's current tax position.
You need to supply your:
Business name, address and type of business you are engaged in.
The date your business was established and your shareholding and director's fees and payments (if any).
Your average annual profit for the last 3 years
Your savings and investments will also be considered with regard to:
Each applicant will have to declare if they have ever been declared bankrupt or insolvent, or are currently undergoing such proceedings.
Other related questions will include:
Details of Present Property
If you have ever owned a previous property, you may be asked:
Questions in this section relate to:
This is by no means all of the questions you will have to complete on an application form for a mortgage, but it may help prepare you for the "inquisition" by the lender into both your lifestyle and your financial position.
Although we will do our best to provide you with accurate details, information provided is subject to errors or omissions. This information is intended as a general guide and has no legal standing. You should always seek professional advice for your own particular situation.
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