Getting the keys to your new home is a memorable milestone, but it begins for most with the often-daunting process of applying for a mortgage. This journey is rarely straightforward and can induce financial anxiety due to the extensive documentation and bureaucracy involved. Perhaps the toughest part of all this is knowing exactly what are the factors which a bank takes into account before saying yes or no to your application. Did the fact that you spent €500 on an Oasis ticket scupper the application? Or is the fact that you are self-employed? Oliver Browne looks at the various issues involved https://www.rte.ie/brainstorm/2025/0205/1494773-mortgage-application-banks-financial-questions-guide-factors/