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What you’ll need to show the lender

Generally speaking, all lenders require the same information from you. Certain exceptions may be made for “low doc” home loans for the self-employed, but when you come to your loan appointment, you should bring the following with you.

• Identification
• PAYE applicants
• Property purchases
• Loans and cards
• Self employed
• Refinance
• Investors
• Construction loan

Identification

You must bring “100 points” identification such as:

• driver’s licence AND
• passport.

This is required by law.

PAYE applicants

If you are in regular employment, please bring either:

• two consecutive payslips showing YTD earnings (no older than 4 weeks)
  OR
• a letter from your employer confirming your salary AND
• your last Group Certificate AND
• your last Tax Assessment Notice.

Property purchases

Lenders want to know you can meet the repayments, so please bring:

• 6 months savings statements AND
• a copy of Contract of Sale.

Loans and cards

Please bring:

• a copy of recent statement for all credit cards AND
• a copy of 6 months loan statements.

Self employed

We can also help you with finance if you work for yourself.  Bring your:

• last two years’ personal income tax returns AND
• last two years’ co tax returns and accounts AND
• last Tax Assessment Notice.

Refinance

If you want to refinance a property you already own to take advantage of better loans now available or use the equity in your property for another purpose, bring

• a copy of all loan statements for last 12 months AND
• proof of property ownership (e.g. rates notice).

Investors

Your income will be enhanced by the rental you receive. So bring:

• a letter from real estate agent confirming expected rental OR
• a Copy of current Lease Agreement OR
• recent rental statements.

Construction loan

If you’re planning to build, lenders will require some extra information. Please bring:

• a copy of your Fixed Price Building Contract AND
• a copy of the plans and specifications.

More in this section: How Smartline works Our lending panel Six easy steps to settlement