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Checklist of documents when applying for Mortgage Interest Supplement

From 1 January 2014, the Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted from this date. This measure does not affect current claimants immediately (people who were getting Mortgage Interest Supplement before 1 January 2014). The scheme will be wound down for these claimants over a 4-year period.

The following should be provided with your application for Mortgage Interest Supplement:

  • Personal Public Service (PPS) Numbers for yourself, your spouse and your children or birth certificates if you do not have PPS Numbers for them
  • Proof of residency
  • Proof of identity, for example, a passport, driving licence, work permit, immigration (GNIB) card
  • Evidence of any income you and your spouse and children are getting
  • A note from your local social welfare office and your last wages slip if you have just applied for Jobseeker's Benefit or Jobseeker's Assistance
  • Documents to show your income and financial situation, such as recent pay slips, P45, P35, P60, bank statements
  • Verification of any lump sum payments received or payable on termination of your employment, for example, a redundancy payment or termination payment
  • Copy of original loan documentation and evidence of income provided to the lender at the time of your loan application
  • Copy of loan approval
  • Documents verifying subsequent top-ups or changes to existing mortgage
  • In the case of a loan for repairs or improvements, evidence of how the money was used
  • Most recent notification of the interest rate on the loan
  • Annual mortgage statement from lending institution
  • Certificate of TRS - this shows any mortgage interest relief you are getting.

You may also be asked to supply:

  • Evidence of payments received or payable under any mortgage repayment protection policy, income continuance plan or other similar policy of this nature
  • Evidence of any income under the rent a room scheme
  • Evidence of value of savings and other property
  • Evidence of outstanding loans on other properties
  • If there is a guarantor to the mortgage, for example, where a parent is guarantor for a mortgage, you will need to supply a letter from the lender clarifying the terms of the guarantee and the liability of the guarantor to make the mortgage repayments if you are not in a position to do so.
Page updated: 4 February 2014

Language

Gaeilge

Related Documents

  • Mortgage Interest Supplement
    Mortgage Interest Supplement provides short-term support to help you pay your mortgage interest repayments.From 1 January 2014, the Mortgage Interest Supplement scheme is closed to new entrants and no new applications will be accepted from this date.
  • Mortgage Arrears Resolution Process (MARP)
    Mortgage lenders must follow a defined process when dealing with borrowers facing arrears. This process is known as MARP.
  • Supplementary Welfare Allowance
    Supplementary Welfare Allowance is a payment to people that have no income. Outlines the conditions for entitlement to Supplementary Welfare Allowance including the means test.

Contact Us

If you have a question relating to this topic you can contact the Citizens Information Phone Service on 0761 07 4000 (Monday to Friday, 9am to 8pm) or you can visit your local Citizens Information Centre.