Guide to Uploading Documents - loanitt

Loan application process

Guide to uploading any documents required

  • As part of your finance application and for us to submit you for decision to our panel of Lenders we might require supporting documentation.
  • Any documents we request will be part of a pre-determined list of supporting documents which Lenders require to better understand your details and current financial situation.
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license

Drivers License

  • Please ensure that your licence is valid, with all 4 corners visible and that the picture is clear and easy to read.
passport

Passport

  • Please ensure that your passport is valid, the picture is clear and easy to read and page 3 is signed prior to uploading

personal-bank-statements

Personal Bank Statements

  • Please ensure that the bank statements you are providing are 3 months (90 days) up to the current date and addressed to your current home address
  • That the account is where your wages are mandated
  • The statements provided are in your name, and is your personal account.
  • If you have multiple accounts please be aware that you should provide these also as the lender will request all accounts to confirm your affordability i.e Bank of Ireland but also transferring money to a Revolut account
  • If you are providing pictures of paper statements, please ensure that the pictures are clear and easy to read as we will need to confirm details on this document
  • Please ensure that the bank statements you are uploading have not been edited in any way (ie blacking out your IBAN), these will be rejected and asked to upload again

Payslip (PAYE)

Payslip (PAYE)

  • Please ensure that the payslip is your most recent that you have received.
  • Please ensure that you have provided your official payslip from your employer and not from your Revenue account (ROS.ie)
  • Please ensure that your PPSN is on your payslip - if this is not, please notify your advisor
  • If your payslip is password protected, please provide a screenshot as we cannot accept your PIN/password due to GDPR
document-folder

Form 11 Self Assessment (Self employed)

  • Please ensure that the Form 11 you are providing is your most recent assessment - please do not provide one that is over 3 years old
  • Please ensure you are not providing invoices, unfotunately these will not be accepted by our lender
  • We cannot accept your P60 or P45 for confirmation of income for the year
  • If you are only recently self employed (under 1 year), chances are you would not have this document comepleted as of yet ! Please inform your advisor of this and we can see what else we can do for you
users-social

Social Welfare

  • Please ensure you're providing your most recent statement confirming your Social Welfare payments - this will include 2 pages with your name address and PPSN provided
  • if you are receiving multiple payments, please notify your advisor, as we may only be able accept some of these payments

home

Proof of Address

  • Please ensure that the proof of address is dated within the last 90 days
  • Your proof of address does not need to be a paper copy - we can accept your digital online bills !
  • Types of documents accepted; Utility bill ie Electric/Gas/Phone, Revenue Letter, Insurance Letter
users-alt-5

Non EU Customers

  • Please provide a clear and easy to read picture of your stamp 1/4/5 visa OR your EU / Irish Passport
  • If you do not currently have this document, please notify your advisor when they call to discuss your application
exchange

Change of Name

  • If you have recently married or divorced and your documents differ to your ID, please provide your marriage certificate or divorce/seperation certificate

license

Drivers License

  • Please ensure that your licence is valid, with all 4 corners visible and that the picture is clear and easy to read.
passport

Passport

  • Please ensure that your passport is valid, the picture is clear and easy to read and page 3 is signed prior to uploading

personal-bank-statements

Business Bank Statements

  • Please ensure that the bank statements you are providing are 6 months up to the current date
  • The statements provided are in your name or your company, and is your business account.
  • Please try to ensure you upload a PDF dicument. If you are providing pictures of paper statements, please ensure that the pictures are clear and easy to read as we will need to confirm details on this document

license

Drivers License

  • Please ensure that your licence is valid, with all 4 corners visible and that the picture is clear and easy to read.
passport

Passport

  • Please ensure that your passport is valid, the picture is clear and easy to read and page 3 is signed prior to uploading

personal-bank-statements

Personal Bank Statements

  • Please ensure that the bank statements you are providing are 3 months (90 days) up to the current date and addressed to your current home address
  • That the account is where your wages are mandated
  • The statements provided are in your name, and is your personal account.
  • If you have multiple accounts please be aware that you should provide these also as the lender will request all accounts to confirm your affordability i.e Bank of Ireland but also transferring money to a Revolut account
  • If you are providing pictures of paper statements, please ensure that the pictures are clear and easy to read as we will need to confirm details on this document
  • Please ensure that the bank statements you are uploading have not been edited in any way (ie blacking out your IBAN), these will be rejected and asked to upload again
euro

Savings Bank Statements

  • Please ensure that the bank statements you are providing are 3 months (90 days) up to the current date and addressed to your current home address
  • The statements provided are in your name, and is your personal account.
  • If you have multiple accounts please be aware that you should provide these also as the lender will request all accounts to confirm your affordability i.e Bank of Ireland but also transferring money to a Revolut account
credit-card (1)

Credit Card Statements

  • Please provide 3 months up to date statements.
  • Must be a formal statement with name, address, credit limit and end of month balance. Screenshots of current balances cannot be accepted.
  • If you have multiple accounts please be aware that you should provide these also as the lender will request all accounts to confirm your affordability i.e Bank of Ireland but also transferring money to a Revolut account
search-document

Personal Loan statements

  • Please provide most recent statement showing balance.
list

Mortgage Statements

  • For any existing mortgages held, a most recent statement is required. The most recent annual mortgage statement is sufficient.

Proof of Income Employed

Payslip (PAYE)

Payslip (PAYE)

  • Please ensure that the payslip is your most recent that you have received.
  • Please ensure that you have provided your official payslip from your employer and not from your Revenue account (ROS.ie)
  • Please ensure that your PPSN is on your payslip - if this is not, please notify your advisor
  • If your payslip is password protected, please provide a screenshot as we cannot accept your PIN/password due to GDPR
certificate

Salary Certificate

  • This is a document that needs to be completed by your employer and will be provided by your broker
  • Please ensure that basic income, overtime, commission, bonus details are fuilly completed and accurate.
  • Where the employer does not have a company stamp, they will need to provide an accompying letter (on company letterheaded paper) confirming this.
ebook

Employment Detail Summary

  • This document can be accessed by logging into revenue.ie myaccount.
  • The lender will require the most recent as a minimum. Where bonus, overtime or commission is being used, we may need a full 3 year history.

Proof of Income Self Employed

document-folder

Form 11 and Chapter 4 Self Assessment (Self employed)

  • Please provide minimum 2 years most recent form 11 and chapter 4.
  • We cannot accept your P60 or P45 for confirmation of income for the year
  • If you are trading less than 2 years, you will not be able to proceed until you have this.
manage-user

Financial Accounts

  • If you trade as a sole trader, we will require the 2 years most recent profit and loss
  • IF you trade as a LTD company, we will require 2 years most recent financial accounts.
letter

Accountants Letter

  • Letter from the accountant to confirm all tax affairs both personally and for the business are up to date.
personal-bank-statements

Business Bank Statements

  • 6 months most recent busines bank statements to be provide d to evidence business activity and income levels being drawn.

home

Proof of Address

  • Please ensure that the proof of address is dated within the last 90 days
  • Your proof of address does not need to be a paper copy - we can accept your digital online bills !
  • Types of documents accepted; Utility bill ie Electric/Gas/Phone, Revenue Letter, Insurance Letter
users-alt-5

Non EU Customers

  • Please provide a clear and easy to read picture of your stamp 1/4/5 visa OR your EU / Irish Passport
  • If you do not currently have this document, please notify your advisor when they call to discuss your application
exchange

Change of Name

  • If you have recently married or divorced and your documents differ to your ID, please provide your marriage certificate or divorce/seperation certificate