Whether you're taking your first steps onto the property ladder, expanding your investment portfolio, or seeking to optimise your mortgage arrangements, we're here to guide you through every step of the process. Our dedicated team is committed to finding the perfect mortgage solution tailored to your unique needs, ensuring a seamless and stress-free experience. Explore our range of mortgage services designed to empower your journey towards homeownership and financial security.
FIRST-TIME BUYER
You are considered a first-time buyer if you have never had a housing loan. For your primary residence, you can borrow up to 4 times your gross annual income. Loan-to-Value (LTV) limits also apply to different categories of buyers. A first-time buyer will require a deposit of 10% for a house or apartment.
SELF-BUILD MORTGAGE
Considering building your own home? We can assist you in constructing exactly what you need from the ground up, creating the home of your dreams. The stages of a self-build mortgage include: purchasing the site, preparing the foundations, building, and finishing the property (e.g., electrical, wiring, and plumbing). With a self-build mortgage, you draw down the money in stage payments to cover each phase of the build.
INVESTOR MORTGAGE
Investors looking to purchase a property for rental purposes generally require a 30% deposit to secure a buy-to-let mortgage in Ireland. The larger the deposit, the better the rates you may qualify for. To qualify for a buy-to-let mortgage, lenders typically require a good credit rating, sufficient deposit, and proof of affordability.
SWITCHER MORTGAGE
Looking to save money on your largest financial commitment? Consider switching your mortgage to another lender to take advantage of a more favorable interest rate. Switching to a better interest rate could potentially save you thousands of euros or help you pay off your home loan faster.