Providing proof of ID, address and income for your application

What documentation do I need?

If accepted in principle, an Agent will call at your home to discuss your income and outgoings to ensure the loan is suitable, affordable and sustainable for you as well as complete the application process. During this visit the Agent will ask to see proof of your ID and address, this could be your photo driving licence.

The Agent will also then need to see your proof of income such as a wage slip or evidence of welfare payments and they’ll discuss your outgoings with you.

For all loan applications you will need to provide the Agent with legible photocopies of your proof of ID, address and income for them to take away, and they will also need to see the originals. They will not be able to complete your loan application without this.

What documents can I use?

A full list of documents that can be used as proof of ID, address and income are listed below. Expand the relevant box to find out what you can use.

Documents for proof of ID and address

  • Current photo card driving licence is acceptable as both proof of identity and proof of address.
  • Current signed passport
    Must be within start and expiry date.
  • Identification card with photograph issued by the Garda Siochana
    Must be within start and expiry date.
  • EU Members State Identity Card
    Must be within start and expiry date.
  • Public services card 
    Photograph must clearly be of the applicant
  • ML 10 Issued within last 6 months, and clearly approved by Garda Siochana

Must be a current insurance certificate or statement addressed to the applicant at the current address with account number.

  • Bank letter (not a statement)
    Letter must contain; Customer Name, Full Customer address and sort code & account number.
  • Tax Clearance Certificate (TCC)
    Valid for 12 months
  • Utility bill from within the last 6 months
    Must be a bill statement addressed to the applicant at the current address with account number present. Acceptable types of utility bills are:
    • Water
    • Gas
    • Electric
    • Telephone
    • Bin Charge
  • Recent Credit Union statement from within the last 6 months
    Must be a member statement addressed to the applicant at the current address with the member number present.
  • Recent Government issued statement from within the last 6 months
    Document associated with the Government departments e.g:
    • Social Welfare benefit letter (includes reference number)
    • Job Seekers benefit / allowance
    • Illness benefit
    • Maternity benefit
    • Carers benefit
    • Child benefit / allowance
    • Irish revenue commissioners communications (includes reference number) 
  • Current household/motor/personal insurance documents
    Must be a current insurance certificate or statement addressed to the applicant at the current address with account number. 

Documents for proof of income

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

Employed

  • Payslip (Within past 35 days)
  • Letter from employer (Within 35 days)
  • Contract of Employment (incl. salary) (Within 70 days)


Self-employed

  • Remittance Advice (Within 35 days)
  • Audited accounts (Within 365 days)
  • Accountant’s Certificate (Within 365 days)
  • Tax Return (Within 365 days)

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

Pension

  • State/Private Pension
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

  • Adoptive benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Back to education allowance
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Carer's allowance/benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Child benefit
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • One-parents family payment 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Disability allowance/benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Family income supplement 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Jobseekers allowance/benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Illness benefit
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Injury benefit
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Maternity benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Deserted wives allowance/benefit 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Guardian's payment 
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days
  • Domiciliary Care Allowance (DCA)
    Payment receipts from Post Office within 35 days (Containing Customer name and income value) or Statement within 365 days

In order to assess your income and outgoings you must provide the Agent with proof of your source of income such as:

  • Foster Income
    Statement within 365 days
  • Maintenance payments
    Statement within 365 days
  • Verified rental income
    Statement within 365 days

Frequently asked questions

If you have multiple sources of income you will need to provide evidence of each one.

To make sure the loan is affordable for you throughout the duration of the loan your Agent cannot take into account any income where it will not continue over the full term of the loan, e.g. Child Benefit that will stop in a few weeks when your child leaves full-time education.

Speak to your employer(s) for copies of your payslips.

For Private Pension documents contact your provider.

Welfare Office Locator: https://www.welfare.ie/en/Pages/Intreo-Centres-and-Local-and-Branch-Offices.aspx

Online Statement Request Form: www.welfare.ie/en/pages/secure/onlinestatementrequest.aspx

Your Agent will ask you how much you spend on outgoings such as; rent/mortgage, food, bills and entertainment. It will help if you check before your Agent visits so you can have accurate information. This helps the Agent understand your current financial commitments.

Provident

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