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I am self-employed / Sole Trader Director of a Company/Partnerships – can I get a mortgage?

 

Yes - provided your income is sufficient and you provide documentation to support your application. If you are Self-Employed, a Sole Trader, a Director of a Company/Partnerships, you will need :
 
  • 2 years most recent Audited Accounts or Trading Accounts certified by your accountant
    *3 Years most recent Audited Accounts or Trading Accounts certified by your Accountant may be required in certain circumstances (please consult with your Mortgage Advisor for further detail)

  • Please send us the following Revenue documents to confirm your declared level of income:
    • 2 Years most recent Revenue Acknowledged Forms 11
      *3 Years most recent Revenue acknowledged Forms 11 may be required in certain circumstances (please consult with your Mortgage Advisor for further detail)
       
  • Confirmation of tax position from your accountant or Revenue Online Services (ROS) Charges & Payments Statement

  • 6 months most recent current account business bank statements if not held with AIB
    (3 months if you are switching your mortgage to AIB or Topping Up your AIB mortgage)

  • 6 months most recent statements for any business borrowings if not held with AIB for the business accounts
    *Reduced Business Loan Statement Requirements may apply in certain circumstances (Please consult with your Mortgage Advisor for further detail)
 
You will find the complete list of all the documentation you need to apply for an AIB Mortgage here on our our Mortgage Checklist (PDF).

 

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