| Income | Employment | Repayment Capacity | Bank Statement | Data Error | Childcare | |
| Reason | Too high an income taken which is not supported by previous earnings history, too much additional income factored | Previous employment history not outlined where applicant in current role <1yr Contract and CV not supplied where applicant is in contract employment |
Repayment capacity not fully evident or clearly outlined | Ad Hoc large Lodgements of Withdrawals not explained/Frequent withdrawals (Direct Debits or Standing Orders) which are unclear | Input errors applicants name, address, Date of Birth and Term | No childcare mentioned in commentary. Commentary does not advise how children are minded free of charge or are children are in school |
| How to Resolve | Allow NON guaranteed additional income such as overtime, allowance or commission to a maximum of 50% where this level can be evidenced as earned over last 3 years & P21/P60s | Include a CV style work history and current contract. Include evidence of last three years income (P21/P60) |
Haven require a clear breakdown of monthly evidenced proven affordability | Highlight and explain in commentary the source of any lodgements outside of normal mandated salary and frequent withdrawals |
Input clients details from certified ID |
How they are minded / if infant or school going age until parents home from work (ECCE, Primary School) |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 | 3.1 | 3.2 | 3.3 |
| LTV | Rate |
| All documentation MUST BE clear and legible in order for us to process the application |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 | 3.1 | 3.2 | 3.3 |
| LTV | Ra |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 |
3.1 | 3.2 | 3.3 |
| LTV | Rate | APRC | 20 Years* | 25 Years* | 30 Years* | 35 Years* |
| <=50% | 3.10% | 3.2% | 5.60 | 1.1 | 1.2 | 1.3 |
| >50% <=80% | 3.30% | 3.4% | 5.70 | 2.1 | 2.2 | 2.3 |
| >80% | 3.50% | 3.6% | 5.80 | 3.1 | 3.2 | 3.3 |
| LTV | Rate |
| PAYE | SELF EMPLOYED | DIRECTOR / SOLE TRADER |
| Photo ID (valid driver's licence or passport) |
Photo ID (valid driver's licence or passport) |
Photo ID (valid driver's licence or passport) |
| Address ID (valid utility bill within the last 3 months) |
Address ID (valid utility bill within the last 3 months) |
Address ID (valid utility bill within the last 3 months) |
| Payslip (3 payslips if paid monthly, 6 payslips if paid fortnightly and 8 payslips if paid weekly covering previous 3 month period, including most recent payslip) |
Audited Accounts (Last 3 years signed audited/certified accounts) |
Audited Accounts (last 3 years signed audited/certified accounts) Not required if turnover is below 3 million |
| Bank Statements (6 months current account statements) |
Bank Statements (6 months current account statements) |
Bank Statements (6 months current account statements) |
| P60 | Business Statements (minimum last 6 months) |
Business Statements (minimum last 6 months) |
| Income Certificate (signed, dated & stamped by employer) |
• 3 years Revenue Notice of Assessment (Form 11) |
• 3 years Revenue Notice of Assessment (Form 11) • Confirmation of tax position from your Accountant/Revenue |
| Some additional information (if applicable) | ||
| Savings & Investments (6 months Savings & Investments) |
Savings & Investments (6 months Savings & Investments) |
Savings & Investments (6 months Savings & Investments) |
| Credit Card Statements (6 months Credit Card Statements) |
Credit Card Statements (6 months Credit Card Statements) |
Credit Card Statements (6 months Credit Card Statements) |
| Mortgage Statements (12 months) |
Mortgage Statements (12 months) |
Mortgage Statements (12 months) |
| Bank Statements (6 months current account statements) |
Bank Statements (6 months current account statements) |
Bank Statements (6 months current account statements) |
| Personal/ Car/ Credit Union i.e. any other loan agreements (12 months) |
Personal/ Car/ Credit Union i.e. any other loan agreements (12 months) |
Personal/ Car/ Credit Union i.e. any other loan agreements (12 months) |
| Stamp 4/ 5 (for non EU nationals) |
Stamp 4/ 5 (for non EU nationals) |
Stamp 4/ 5 (for non EU nationals) |
Warning: If you do not keep up your repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: The cost of your monthly repayments may increase.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
