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Mortgage Application form PIBA Member Mortgage

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Page 1: Mortgage - Brokers Ireland · 2020-01-23 · MORTGAGE 1 MORTGAGE 2 MORTGAGE 3 Inception Date Inception Date Inception Date Mortgage Term Mortgage Term Mortgage Term Est. Sale Price

MortgageApplication form

PIBA Member

Mortgag

e

Page 2: Mortgage - Brokers Ireland · 2020-01-23 · MORTGAGE 1 MORTGAGE 2 MORTGAGE 3 Inception Date Inception Date Inception Date Mortgage Term Mortgage Term Mortgage Term Est. Sale Price

Application Form

PART ONE

1

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

Page 3: Mortgage - Brokers Ireland · 2020-01-23 · MORTGAGE 1 MORTGAGE 2 MORTGAGE 3 Inception Date Inception Date Inception Date Mortgage Term Mortgage Term Mortgage Term Est. Sale Price

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

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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

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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

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YES NO

YES NO

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

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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

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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

Page 9: Mortgage - Brokers Ireland · 2020-01-23 · MORTGAGE 1 MORTGAGE 2 MORTGAGE 3 Inception Date Inception Date Inception Date Mortgage Term Mortgage Term Mortgage Term Est. Sale Price

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

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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

Email

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

Page 11: Mortgage - Brokers Ireland · 2020-01-23 · MORTGAGE 1 MORTGAGE 2 MORTGAGE 3 Inception Date Inception Date Inception Date Mortgage Term Mortgage Term Mortgage Term Est. Sale Price

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

E-mail

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

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11

Section H – Notes & Messages

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PIBA Mortgage Application. Rev. 7, 2016

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