Applying for a mortgage

Once the decision is made and you have selected a house there are a couple of simple steps for you to follow to complete the mortgage process:

Discuss your needs with one of our mortgage team through our head office or branch network.
Choose a solicitor.
Complete the Mortgage Application Form.
Complete the application for Group Life and Specified Illness Cover form.**
Complete the Building/Contents Insurance proposal form.**
We then value the property for mortgage purposes.
Submit all supporting documentation, with the following required:
- Attach a current P60.
- 3 recent payslips and certificate of income.
- 6 months recent bank statements on all borrowings, current and savings accounts.
- Proof of identification, passport or full driving licence and a utility bill (not more than 6 months old).
- 2 years audited accounts, two most recent Notices of Assessment and accountants confirmation of tax affairs.
Sign and return the letter of offer and ensure you understand the terms and conditions of your loan agreement.
Upon loan approval authorise your solicitor to proceed with sale.
Ensure your Specified Illness Cover and Buildings and Contents insurance are in place.
Your loan cheque is then issued.
The sale is closed and you can move into your new home.

**You may opt to arrange your own Life Assurance and Buildings/Contents Insurance.

Arrangements for Repaying Your Mortgage Loan:

Your monthly repayments which fall due on the 10th of each month are normally collected by Direct Debit from your Irish Nationwide savings account or another current account nominated by you. Interest accrues from the date the Society issues your loan cheque and in the case of the first repayment, the interest from the date of issue of the loan cheque to the end of that month is payable immediately. Thereafter, your first full monthly repayment will be due on the 10th of the following month.

For further details contact your Local Branch or email: mortgages@inbs.ie

By proceeding further you are deemed to have read and accepted our Terms & Conditions and Privacy Policy. This site is best viewed using Internet Explorer 6.0+. Certain documents on this site require Adobe Acrobat Reader. Irish Nationwide Building Society is regulated by the Financial Regulator. Registered Office: Nationwide House, Grand Parade, Dublin 6. Registered No. 14B Dublin.