mortgage application form...some mortgage lenders may request that another party guarantee the loan....
TRANSCRIPT
BROKERS IRELAND NETWORK SERVICES,
87 Merrion Square, Dublin 2, D02 DR40T: +353 (1) 492 2203, F: +353 (1) 492 8602E: [email protected] W: www.brokersirelandmortgages.ie
MORTGAGE
APPLICATION FORM
DETAILS OF INTRODUCING INTERMEDIARY
Brokerage Name
Address
Telephone Fax
E-mail Authorisation No.
Disclosure of intermediary Status (where applicable). (e.g. only acts on behalf of one lender or one insurance company)
If this application has been introduced to you, by a thord party (including an appointed introducer) please provide the introducers
name and address.
EXPLANATORY TEXT
This application form is divided into two parts. The first part captures information about you, the applicant. The second part
gives important information about mortgages offered by a given mortgage lender, including statutory warnings. In part two your
signature is required in relation to your application for a mortgage loan and your consent is sought in relation to various matters.
Please ensure that all applicants sign part one and two of the application.
INFORMATION ABOUT APPLICANT
Please indicate the reason for your application
First time buyer Re-Mortgage Purchase Residential Investment Property
Let to Buy Top-up Switcher Other
If ‘Other’ please specify
Failure to disclose the above information may result in the withdrawal of a lender appointment.
Have you or any of your staff met the customer face-to-face? Yes No
Application Form
PART ONE
1
Section A – Personal Details
2
Guarantor
Forenames Forenames
Surname Surname
Other/Previous Names Other/Previous Names
Title Title
Date of Birth (dd/mm/yyyy) Date of Birth (dd/mm/yyyy)
Nationality Nationality
PPS Number PPS Number
Marital Status Marital Status
No. of Children No. of Children
Children’s Ages Children’s Ages
CURRENT ADDRESS CURRENT ADDRESS
Are you: Rente pm Are You: Rente pm
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County County
Country Country
Time at address years months Time at address years months
CORRESPONDENCE ADDRESS CORRESPONDENCE ADDRESS
Same as above Same as above
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County County
Country Country
PREVIOUS ADDRESS (if less than 3 years at existing address) PREVIOUS ADDRESS (if less than 3 years at existing address)
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County County
Country Country
Time at address years months Time at address years monthsAddress description as per IIB HL form required for DOE House Price Survey
CONTACT DETAILS CONTACT DETAILS
Home Telephone Number Home Telephone Number
Work Telephone Number Work Telephone Number
Mobile Telephone Number Mobile Telephone Number
E-mail E-mail
APPLICANT ONE APPLICANT TWO
MARRIED REMARRIED SINGLE SEPARATED/DIVORCED WIDOW/ER CO HABITANT OTHER MARRIED REMARRIED SINGLE SEPARATED/DIVORCED WIDOW/ER CO HABITANT OTHER
OWNER TENANT WITH PARENTS/RELATIVES OR FRIENDS OWNER TENANT WITH PARENTS/RELATIVES OR FRIENDS
CURRENT INCOME CURRENT INCOME
Gross basic wage/salary pa e Gross basic wage/salary pa e
Overtime per annum e Overtime per annum e
Bonuses per annum e Bonuses per annum e
Commissions per annum e Commissions per annum e
Other income per annum e Other income per annum e
(non rental) (non rental)
Lodger income per annum e Lodger income per annum e
Residential Investment income per annum e Residential Investment income per annum e
Total gross income per annum e Total gross income per annum e
Total joint financial income pa e Total joint financial income pa e
Total NET income per month e Total NET income per month e
Nature of Income Nature of Income
Employment Status Employment Status
EMPLOYMENT DETAILS EMPLOYMENT DETAILS App 1 App 2Please choose a category for each applicant from the attached list – Note 1 (Section G)
Please choose a category for each applicant from the attached list – Note 2 (Section G)
Occupation Occupation
Employer’s Name Employer’s Name
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County Country County Country
Telephone Number Telephone Number
Nature of Business Nature of Business
Length of Service with employer years months Length of Service with employer years months
Salary / Payment Details Salary / Payment Details
PREVIOUS EMPLOYMENT (if less than 1 years at current employer) PREVIOUS EMPLOYMENT (if less than 1 years at current employer)
Employer’s Name Employer’s Name
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County Country County Country
Occupation Occupation
Length of Service with employer years months Length of Service with employer years months
Section B – Income & Employment
3
APPLICANT ONE APPLICANT TWO
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
GUARANTEED REGULAR IRREGULAR
EMPLOYED EMPLOYED & SELF EMPLOYED HOMEMAKER OTHER RETIRED SELF EMPLOYED
CONTRACT PERMANENT TEMPORARY
EMPLOYED EMPLOYED & SELF EMPLOYED HOMEMAKER OTHER RETIRED SELF EMPLOYED
CONTRACT PERMANENT TEMPORARY
Current Bank/Building Society Current Bank/Building Society
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County Country County Country
Account Type Account Type
Account Number Account Number
Sort Code Sort Code
I have held this account for years months I have held this account for years months
SAVING ACCOUNT INFORMATION
Financial Institution A/C Number Monthly Savings Balance
e e
e e
e e
e e
€ €
€ €
SELF EMPLOYED DETAILS SELF EMPLOYED DETAILS
Name of firm/company Name of firm/company
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County Country County Country
Nature of Business Nature of Business
How long has the business been established How long has the business been established
Time Involved Time Involved
Average profit over three years e Average profit over three years e
Percentage shareholding/partnership interest % Percentage shareholding/partnership interest %
Name of accountant Name of accountant
Name of accounting firm Name of accounting firm
Address Line 1 Address Line 1
Address Line 2 Address Line 2
Address Line 3 Address Line 3
County Country County Country
Telephone number Telephone number
Fax Number Fax Number
3 years audited accounts available 3 years audited accounts available
Tax affairs up to date Tax affairs up to date
App1 App 2
Section B – Income & Employment
Section C – Financial & Credit History
4 5
APPLICANT ONE APPLICANT TWO
YES NO YES NO
ANNUITY ENDOWMENT INTEREST ONLY OTHER PENSION
5
MORTGAGE 1 MORTGAGE 2 MORTGAGE 3
Inception Date Inception Date Inception Date
Mortgage Term Mortgage Term Mortgage Term
Est. Sale Price e Est. Sale Price e Est. Sale Price e
Are you selling this property Are you selling this property Are you selling this property
Name of Lender Name of Lender Name of Lender
Mortgage Acct. No. Mortgage Acct. No. Mortgage Acct. No.
Address of Lender Address of Lender Address of Lender
Property Value e Property Value e Property Value e
Balance Due e Balance Due e Balance Due e
Year Purchased Year Purchased Year Purchased
If fixed, for how many years If fixed, for how many years If fixed, for how many years
Payments missed in last 6 months Payments missed in last 6 months Payments missed in last 6 months
Payments missed in last 12 months Payments missed in last 12 months Payments missed in last 12 months
Payments per month Payments per month Payments per month
Rental Income per month e Rental Income per month e Rental Income per month e
Address of Property Address of Property Address of Property
Type of Mortgage Type of Mortgage Type of Mortgage
Type of Rate Type of Rate Type of Rate
Is property registered in any name other than that of the applicant
Details
FINANCIAL COMMITMENTS
How many existing loans do you have Amount Borrowed Applicant 1 e Applicant 2 e
Financial Institution Account Number: App1 App 2 Amount Owing Payment (Mly) Purpose Final Payment Date
e e
e e
e e
e e
Rent e Maintenance Payments e Total e CREDIT HISTORY
Have you ever: App1 App 2
Been refused a mortgage on this or any other property
Had a court order registered against you
Been insolvent, declared bankrupt or made any arrangements with creditors or any other action pending
Had arrears on your existing mortgage with the last 24 months
Details
Section C – Financial & Credit History
Refinance?
YES NO
ANNUITY ENDOWMENT INTEREST ONLY OTHER PENSION
DISCOUNT VARIABLE FIXED PENSION INTEREST ONLY OTHER
YES NO YES NO
YES NO
YES NO
YES NO
YES NO
ANNUITY ENDOWMENT INTEREST ONLY OTHER PENSION
DISCOUNT VARIABLE FIXED PENSION INTEREST ONLY OTHER DISCOUNT VARIABLE FIXED PENSION INTEREST ONLY OTHER
YES NO
YES NO
YES NO
YES NO
YES NO
YES NO
YES NO
YES NO
CUSTOMER TYPE
First Time Buyer Max Approval Required Yes No
Remortgage House First Applicant Yes No
Second Property Second Applicant Yes No
RP
If joint application, is title of property to be in joint names Yes No
SECTION ONE (PURCHASE ONLY)
Purchase price/cost of Building e Savings* e
Site Price (if applicable) e Grant e
Legal & stamp duty (if applicable) e Gifts e
Repairs/Renovations e Other funds*e
Other costs* e
Total Expenditure e Total Finance e
*Please supply details of other cost and/or savings, or other funding sources
Is purchase: Local Authority Housing Scheme Affordable Housing Shared Ownership Affordable Housing Local Authority Tenant Purchase
If affordable House, please provide: Purchase Price e Market Value e
SECTION TWO (RE-MORTGAGE ONLY)
Remortgage amount e
Property value e
Loan Value %
Year of original purchase
Current mortgage outstanding e
Age of property
New Mortgage required e
Purpose of additional borrowing
MORTGAGE
What type of repayment method do you require Other/Initial years
Mortgage term (Years)
Loan amount e Commencement date
Type of rate required Fixed for (years)
SOLICITOR
Solicitor Name
Address Line 1
Address Line 2
Address Line 3
County Country
Phone Number
Mobile Number
Fax Number
PART TWO Section D – Mortgage Details
6
ENDOWMENT MORTGAGE INTEREST ONLY OTHER PENSION BACKED REPAYMENT/ANNUITY
TRACKER DISCOUNT VARIABLE FIXED PENSION INTEREST ONLY OTHER
7
PROPERTY
Address Line 1 Type of Property
Address Line 2 Estimated completion/closing date
Address Line 3 New Property
County Number of floors in block (If apartment)
Country Estimated Value eSee page 2 for address requirements
NUMBER OF ROOMS
Living rooms Dining rooms
Bedrooms Bathrooms
Kitchens Utility rooms IF BUYING OR BUILDING A NEW PROPERTY
Homebuilders Bond Direct labour construction Employee Labour
Part of a development Stage payment required
Premier Guarantee Number of payments
Is fixed price contract in place Architect’s level of supervision
Tenure of property Freehold Leasehold Number of years remaining on lease
Vacant possession Yes No Age of property
HB47/architects certificate available
Type of construction
Private Owner Occupation Only Yes No Purpose
PEOPLE OVER 18 LIVING AT THE ADDRESS
Full Name Date of Birth Relationship with applicant
SELLING AGENT DETAILS
First Name Address Line 1
Last Name Address Line 2
Telephone Number Address Line 3
County Country VALUER DETAILS
First Name Address Line 1
Last Name Address Line 2
Telephone Number Address Line 3
County Country
Company Name PIBA To Pay CONTACT FOR ACCESS FOR VALUATION
First Name Address Line 1
Last Name Address Line 2
Telephone Number Address Line 3
County Country
Section E – Property Details
NEWLY BUILT HOUSE ONE OFF BUILT HOUSE APARTMENT SECOND HAND PROPERTY
ARCHITECT DETAILS
Name Telephone Number
BUILDER DETAILS
Name Telephone Number
PLEASE COMPLETE THIS SECTION IF ALTERNATIVE LENDING IS SOUGHT
Have you had a mortgage on any other property other than previously detailed? Yes No
If yes, please give Details
Have there ever been any missed Repayments or revoked Credit Cards or Judgements? Yes No
If yes, please specify by completing the following:
1. Current Mortgage - Highest Number of Installment Arrears in last 12 months e
2. Current Mortgage - Highest Number of Installment Arrears in last 6 months e
3. Other Facilities - Highest Number of Other Arrears in last 12 months e
Have any judgement proceedings relating to debt ever been brought against you or any Judgments made against you?
Yes No
If yes, please specify by completing the following:
1. Judgments - Total Value Judgments Outstanding in last 24 months e
Have you ever had a mortgage application declined on this or any other property? Yes No
If yes, please give Details
Are there any matters which should be brought to the Lenders Attention? Yes No
If yes, please give Details
Section E – Property Details
Section F – Alternative Lending
8
9
COMMENTS & DECLARATIONS
Declarations have been signed Yes No
Customer has consented to Consumer Credit Act Yes No
Customer has consented to Data Protection Act Yes No
CONSENTS – (CONSENT(S) BY APPLICANTS TO BROKER
At Home
At Work
Leave message at home
Contact employer
SMS
Consented to be contacted
DIRECT DEBITS
Day of Month to Debit Account
BANK DETAILS
Bank Name
Name(s) of Account Address Line 1
Bank Sort Code Address Line 2
Account Number Address Line 3
County
Country
CUSTOMER ADDRESS
Address Line 1 Date Signed
Address Line 2
Address Line 3
County
Country
Section G – Declarations
NOTES TO PART ONE OF THE APPLICATION FORM EMPLOYMENT SECTOR (NOTE 1)
Agriculture, Hunting, Forestry A Financial Intermediation J
Fishing B Real Estate, Renting and Business Activities K
Mining and Quarring C Public Administration and Defence L
Manufacturing D Education M
Electricity, Gas and Water Supply E Health and Social Work N
Construction F Other Services 0
Wholesale and Retail Trade G Private Household with Employed Persons P
Hotel and Restaurant H Extra-territorial Organisations and Bodies Q
Transport, Storage and Communications I
NOTES TO PART ONE OF THE APPLICATION FORM OCCUPATION (NOTE 2)
Manager or Administrator 1 Craft and Related 5
Professional 2 Personal and Protective Services 6
Associate Professional and Technical 3 Sales 7
Clerical and Secretarial 4 Plant and Machine Operatives 8
Other 9
Section G – Declarations
10
GUARANTOR DETAILS
Some mortgage lenders may request that another party guarantee the loan. If another individual is to guarantee the loan,
please enter their details in this section.
First Name(s) Surname
Date of Birth Home Telephone
Address Work Telephone
Mobile Phone
Occupation Basic Income e
Relationship to applicant(s)
THESE QUESTIONS MUST BE ANSWERED
Are you aware of any health issues that may affect your ability to work and meet the repayments of this facility? Yes No
If yes, please provide details
Are you aware of any possible changes to your future circumstances that would affect your ability to meet repayments on this
facility? Yes No If yes, please provide details
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
PART 1 DECLARATION
I/we hereby declare that I/we have read and understood this part of the mortgage application form and that the information I/we
have tendered herein is correct.
Signed Dated
(Applicant 2 if applicable)
Signed Dated
11
Section H – Notes & Messages
BROKERS IRELAND NETWORK SERVICES Mortgage Application. Rev. 1, 2017
CHECKLIST OF SUPPORTING DOCUMENTS FIRST APPLICANT SECOND APPLICANT
Proof of Identity - Passport or Driving Licence
proof of Residence - A recent utility bill*
Income Certificate completed by your Employer
P60
Last 3 payslips
*No more than 3 months old ie. ESB, telephone, Credit Card Statement
Last 3 years audited accounts (For Self Employed)
Statement of Affairs
Confirmation of TAX Affaris
Last 3 months Bank Statements
Copy of Separation Agreement or Divorce
Copy of Term Loans
Copy of Mortgage Statement
Evidence of Deposit
Gift Letter
12
Section I – Checklist