![]() Approval in Principle – If the application is successful you will receive Approval in Principle from the bank.We will then apply to the chosen bank on your behalf. Information Gathering – After we have reviewed the above documentation we will make a preliminary assessment of your requirements and get in touch with you to discuss your application.Whether you would like to apply online or meet with a member of our team over coffee we will provide you with the same comprehensive level of service. Last 2 years notice of assessment / Chapter 4.Proof of ID (drivers licence, passport).*If you are self-employed the information required is slightly different. Help-to-buy scheme approval if applicable (PDF of application code & access code).Copy of Stamp 4 Visa / proof of Irish residency or Stamp 1 Visa with critical skills.Evidence of deposit (saving statements, gift letter).Last 3 credit card statements (even if cards are cleared).Loan statements (even if loans are cleared).Last 6 months personal and / or joint bank statements (include Revolut, N26 if you have them).Employment Detailed Summary (EDS) for 2020 & 2019, P.Proof of residence at your home address (must be less than 3 months old).Proof of ID (drivers license or passport).When you apply for a mortgage through Smart Mortgages you will have a dedicated mortgage expert who will keep you updated with the progress of your application from start to finish.We will also be able to recommend other products such as mortgage protection and home insurance.We will recommend the mortgage term, rate and lender most suitable for you.We will assess a number of lenders in the market, providing you with a broad choice.We will work with you to understand your requirements in relation to obtaining a mortgage and guide you through the mortgage application process. ![]() You will also only get offered mortgage options from that one particular bank. You do of course have the option of going straight to a bank yourself but the disadvantage of doing this is the amount of work that is involved for you. The team at Smart Mortgages are experts in financial matters.Register via our secure, online portal and upload the documentation that needs to accompany your application.Īt Smart Mortgages we have a team of Qualified Financial Advisers with years of industry experience. We have an in-depth knowledge of the mortgage process in Ireland and we have excellent relationships with Ireland’s leading mortgage providers.Use our handy calculatorsto determine how much you can borrow.Find out what you need to do to get mortgage ready (see list below).We will then apply to the banks on your behalf. We have made it possible for our clients to upload the documents required for a mortgage application securely via our unique, online portal. When you are applying for a mortgage banks will always ask for what may seem like a large amount of paperwork and documentation. Applying online for a mortgage is a convenient way for people to multitask or for those that do not have enough time in the day. One of the ways we do this is through our online application process. At Smart Mortgages our aim is to make this process easier and quicker for you. Applying for a mortgage can be a challenging process.
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