Step by step
to your new home.

Use our website to understand the mortgage market, lending criteria, and your options before you apply.

• —Browse our calculators and articles to understand the process.
• —Review the latest lending criteria in our 'How much can I borrow' calculator.
• —Our website receives over half a million visitors per annum — use it as a tool for saving you money.
• —Important financial decisions should be supported by appropriate professional advice.

Register on our digital mortgage application portal. The system specifies exactly which documents are required for your unique application.

• —Colour copy of your ID (passport or driving licence).
• —Proof of address — bank statement, utility bill, or Revenue letter dated within 3 months.
• —6 months bank statements on all bank accounts.
• —12 month loan statements on all loan and mortgage accounts (if applicable).
• —12 months savings statements and 6 months credit card statements.
• —A salary certificate completed and signed by your current employer.
• —Last year's earnings summary from your Revenue 'My Account'.
• —3 months payslips (monthly paid) or 8 consecutive payslips (weekly paid).
• —If self-employed: signed accounts for 3 years, tax clearance, Form 11s, and business bank statements.

We like meeting our customers in person — to verify ID, discuss your options, and give preliminary advice on lenders.

• —Identify your risk preferences and needs.
• —Review of all supporting documentation.
• —Preliminary advice on lender options.
• —Your adviser analyses your proposal in detail and ensures all relevant documents are in order.
• —We review lenders' latest lending criteria as it relates to your circumstances.
• —We prepare letters of recommendation for our lenders.

Your adviser presents your application to the most suitable lenders and manages the process on your behalf.

• —We review lenders' decisions in light of your mortgage requirements.
• —Where appropriate, we challenge decisions by reasoned argument and further documentation.
• —We communicate the lender's decision to you promptly.
• —We strongly recommend having loan approval before bidding on a property.
• —Never tell an estate agent your mortgage approval limit.

With mortgage approval in hand, you are in a position to bid and agree a property purchase.

• —Buying at the right price is the cornerstone of any purchase — information is your best asset.
• —Keep a close eye on the property register for your chosen area; talk to estate agents and developers.
• —A refundable booking deposit typically secures a deal, followed by the seller sending a contract to your solicitor.
• —Our consultants provide valuable advice during the negotiation process.
• —Remember: estate agents act for the seller, not you.

Appoint a solicitor and arrange mortgage protection and home insurance before proceeding to contracts.

• —We act as an intermediary for all of Ireland's leading life companies — best quotes for your protection needs.
• —We operate home insurance schemes through Aviva and Zurich — you are free to seek quotes elsewhere.
• —We can suggest solicitors offering competitive pricing; choose based on service and reputation.
• —We recommend a structural survey be undertaken in all house purchases.

Your solicitor guides you through signing contracts and completing the purchase on closing day.

• —We arrange a valuation and forward it to the lender, who issues a formal mortgage offer letter.
• —We review the financial element; your solicitor reviews the legal element.
• —Your solicitor will not let you sign contracts unless satisfied with the title and offer letter.
• —Following signing, contracts are returned to the seller and a closing date is agreed.
• —We ensure life cover and home insurance are in order prior to closing.
• —A few days before closing, the solicitor requests the loan cheque and completes the transaction.