A joint mortgage application allows two or more people to apply together, with the lender assessing their combined income, outgoings, debts, employment and credit histories against its criteria and current Central Bank rules. Each borrower is generally responsible for the full mortgage debt, not just an agreed share, so missed payments or a change in circumstances can affect everyone on the application. You may need proof of income, bank statements, identification and details of existing loans, while a solicitor can explain how ownership should be recorded. Check the current requirements with the lender or a regulated mortgage adviser, and confirm the latest rules with the Central Bank of Ireland.