Bank's will have all documentation pertaining to your mortgage as required by SI 853/2004. Look for the valuation report, section 123 CCA 1995 refers, banks regularly breached their own criteria for giving out mortgage loans. If the property was a buy to let, then there was usually a rental income criteria in the banks internal documentation regarding the application, ask specifically for the loan officers aide memoirs etc with respect to your application ( as these documents refer to your loan, it's is encompassed by the Data Protection Act, bank's don't like giving out these documents, but you are entitled to same. ) This criterion was regularly breached by banks during the boom and such a breach is a breach of section 16 of the EC ( licensing and supervision of credit institutions ) regulations 1992. Indeed in some instances it can be classed as mortgage fraud on behalf of the bank (body corporate rule), especially if the loan officer dealing with the application signed a declaration or confirmation that they have abided by the banks lending practices with regard to the mortgage application, when in fact, they have not.