Ireland · 2-3 year averages · Excel & Google Sheets · Word doc
Self-Employed Mortgage Prep Pack
The number Irish lenders actually read when you're self-employed — and the paperwork that backs it up.
€19.90 · instant download · Excel and Google Sheets + editable Word docs · use it forever.
What you get
- 4 tabs: README · SETUP · INCOME · CHECKLIST
- Income normalisation — Trading profit or salary + dividends, per year, auto-totalled
- 2-year and 3-year averages — The two numbers lenders choose between
- Bank-read income — The average a lender will actually use
- Document checklist — 8 documents tracked: certified accounts, Form 11, Tax Clearance, statements and more
- Accountant's confirmation letter — An editable Word template to hand your accountant
How it works
1 — Enter your income — profit or salary + dividends, year by year
2 — Read the average — the 2- and 3-year numbers lenders use
3 — Tick the checklist — every document until it is all 'Have'
Why this one
lenders do not lend against turnover. They average 2-3 years of net income and discount a single good year. This sheet shows the exact number they will use before you apply, and tracks the paperwork so the process is not a scramble. Ireland-specific — not a US or UK template.
What's included
the income calculator (filled sample + 100% blank), the document checklist, and the accountant's confirmation letter (editable Word doc).
Works with
- Excel and Google Sheets — no subscription, no app. The accountant's letter opens in Word or Google Docs.
Before you buy: Not financial or mortgage advice. Lender criteria differ and change — confirm with your lender or broker before applying.
Get it
€19.90, instant download from the ChurchillCraft shop on Etsy. No subscription, no account — the files are yours and they keep working.