Intermediary

Certification of Documents

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Always send the correct documents for credit assessment and identification checks

Important – Certifying documents

Please ensure that every page of each document is certified with the words ‘true copy of the original’ and shows your company name and your full name (in BLOCK CAPITALS), together with your signature and the date. Documents carrying a photograph can be certified only if you met the customer face-to-face and should be certified with the words ‘true likeness of applicant’.

Evidence of Income (EOI) and Bank Statements

Ulster Bank RI Current account holder statement requirements

customers should have maintained an account with us for a minimum of 3 months.

Ulster Bank Customer

must have either a live mortgage account or live bank account.

Certified EOI & Bank Statements

photocopies of required documentation must be fully certified copies of originals, i.e. stamped, dated and signed. When certified copies are enclosed only 1 of the copies needs to be stamped and signed as certified. However must specify number enclosed i.e. 1 of 4 or 1 of 6 etc. All pages must run consecutively and be numbered by provider. Most recent statements must be no more than 5 weeks old from date of application submission to Mortgage Centre.

a. Salary mandated to UB account

Three most recent payslip (fortnightly or monthly) If paid weekly, 4 weeks payslips required.

b. Salary mandated to Non UB account

Three most recent payslip (fortnightly or monthly) and latest three months’ consecutive statements. If paid weekly, 4 weeks payslips required.

c. Salary not mandated

Three most recent payslips (fortnightly or monthly) and latest three months’ consecutive statements. If paid weekly, 4 weeks payslips required.

Best Practices:

If customer is paid in cash please supply most recent P60. A letter from the external company accountant to be provided..

If net pay and/or tax deduction amounts are the same on each payslip please supply most recent P60.

Self Employed

latest 3 months’ consecutive personal bank statements verifying expenditure and

latest 3 months’ consecutive business bank statements (If business account is not with the Bank) and

2 years finalised accounts AND

Tax Assessment forms confirming 2 years Key Data (must include tax returns and Revenue acceptance forms)

Evidence of Personal Public Service Number (PPSN) /Individual Tax Reference Number (TRN)

Under the Credit Reporting Act 2013, lenders are obliged to supply information to the Central Credit Register on credit applications and agreements of €500 or more. To do this we require customers’ Personal Public Service Number (PPSN) and/or Individual Tax Reference Number.

PPSN Verification Documents

If a customer resides in the Republic of Ireland they will need to provide one of the following documents:

  • Any correspondence from the Department of Social Protection or the Revenue Commissioners addressed to you showing your PPSN (excluding the Public Service Card);
  • P21, Tax Assessment or Notice of Tax Credits;
  • Receipt of Social Welfare Payment;
  • Medical Card / Drug Payment Scheme (DPS) Card; or
  • Payslip, P60/P45

Individual Tax Reference Number Verification Documents

If a customer resides in the Republic of Ireland and doesn’t have a PPSN but does have an Individual Tax Reference Number from a different jurisdiction please provide one of the following documents:

  • Any correspondence from a government department which shows your Individual Tax Reference Number; or
  • Passport confirming your Individual Tax Reference Number