Ireland:

If you are on an Alternative Repayment Arrangement or if you are approved a future Alternative Repayment Arrangement, when the arrangement period ends (if approved), my/our mortgage repayments will increase as the outstanding unpaid amount from the Alternative Repayment Arrangement period will be added to my/our mortgage to ensure that the total amount outstanding is repaid (together with interest due) within the existing mortgage loan term remaining.

We will need some information from you to consider your application namely.;

A completed and signed standard financial statement. You can also get help in completing this document by using the “Central Bank Guide to Completing an SFS”;
Evidence of any payments you receive from the Department of Employment Affairs and Social Protection (DEASP) and any other State benefits. (if applicable);
Six months of current account and/or loan bank statements as sent to you. Sadly, we can’t accept photocopies. You can get these statements by going to a bank or through online banking by ordering or printing statements;
Photo identification – copy of your passport or driving licence;
Proof of address – an electricity or other utility bill;
3 recent consecutive payslips or if you are self-employed you most recent Notice of Assessment and a set of audited or management accounts for any trading entity in which you hold a shareholding;

If approved, full details of the terms of the Alternative Repayment Arrangement and the impact to repayments of your Mortgage will be provided to you in the Letter of Variation.

Statutory notices and warnings

WARNINGS:

WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

If you have a variable rate mortgage:

THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

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