Residential Mortgage

If you are buying a home the following documents are required :

• Job letter from employer and last 3 pay slips
• If self employed - audited / management accounts for the business for the last 3 years, supported by bank statements for the same period
• Valid identification – driver’s licence, passport or national identification
• Tax Registration Number (TRN)
• Proof of Age – birth certificate or passport
• Proof of address – preferably in the form of a utility bill
• Most recent utility bills
• Last three (3) rent receipts if applicable
• Written confirmation of existing indebtedness
• Proof of funds to complete the transaction
• Proof of ownership of existing assets
• Evidence of deposit or statement from Attorney holding carriage of the sale
• Copy of signed Sales Agreement
• Valuation Report for the property to be purchased
• Surveyor’s ID Report for the property to be purchased
• Copy Certificate of Title for property to be mortgaged
• Any other documents deemed necessary by the Bank

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If you are building your own home or undertaking major renovations, the following documents are required:

• Job letter from employer and last 3 pay slips
• If self employed - audited / management accounts for the business for the last 3 years, supported by bank statements for the same period
• Valid identification – driver’s licence, passport or national identification
• Tax Registration Number (TRN)
• Proof of Age – birth certificate or passport
• Proof of address – preferably in the form of a utility bill
• Most recent utility bills
• Last three (3) rent receipts if applicable
• Written confirmation of existing indebtedness
• Proof of funds to complete the transaction
• Proof of ownership of existing assets
• Contingency savings of 10% of the cost of construction
• Copy Certificate of Title for property to be mortgaged
• Approved drawings
• Approval from statutory authority for construction of the residence
• Builders estimate for construction of the residence
• 2 references for the builder
• Copy of contractors all risk insurance policy
• Quantity Surveyors Report detailing the cost of construction in phases
• Any other documents deemed necessary by the Bank

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If you are refinancing an existing mortgage at another institution, the following documents are required:

• Job letter from employer and last 3 pay slips
• If self employed - audited / management accounts for the business for the last 3 years, supported by bank statements for the same period
• Valid identification – driver’s licence, passport or national identification
• Tax Registration Number (TRN)
• Proof of Age – birth certificate or passport
• Proof of address – preferably in the form of a utility bill
• Most recent utility bills
• Last three (3) rent receipts if applicable
• Written confirmation of existing indebtedness
• Proof of funds to complete the transaction
• Proof of ownership of existing assets
• Copy Certificate of Title for property to be mortgaged
• Closing statement from existing mortgagers
• Valuation Report
• Surveyor’s ID Report
• Any other documents deemed necessary by the Bank

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If you are consolidating other high interest rate debt into one low monthly payment, the following documents are required: 

• Job letter from employer and last 3 pay slips
• If self employed - audited / management accounts for the business for the last 3 years, supported by bank statements for the same period
• Valid identification – driver’s licence, passport or national identification
• Tax Registration Number (TRN)
• Proof of Age – birth certificate or passport
• Proof of address – preferably in the form of a utility bill
• Most recent utility bills
• Last three (3) rent receipts if applicable
• Written confirmation of existing indebtedness
• Proof of funds to complete the transaction
• Proof of ownership of existing assets
• Copy Certificate of Title for property to be mortgaged
• Evidence of the debts to be consolidated
• Any other documents deemed necessary by the Bank

Apply Now