First Time Buyer
First Time Buyers
Purchasing your first home in Ireland is one of the most significant financial decisions in your life.
The market offers a wide range of lenders and mortgage products, which we can provide expert advice on.
As a financial advisor we can offer impartial, sound advice. We will analyze the top mortgage options on your behalf to find the one that best matches your needs and financial situation.
First Time Buyer - Assessment Criteria
These are some of the factors that are taken into account when assessing the eligibility for a mortgage.
- Income.
- Repayment Capacity (a combination of savings/rent for the last six months will indicate the monthly amount you can afford in mortgage payments).
- Age
- Dependents
- Any loans, financial commitments or childcare costs.
- If a working visa is required.
- Deposit available.
- Type of Property.
- Credit History.
When buying a new home, you will incur additional costs such as solicitor fees, stamp duty, valuation fees, and structural survey fees. We can recommend trusted professionals that we have worked with previously to assist with these services.
Why choose us ?
We will assess how much you can afford, then we will gather the required information from you and submit your application to mortgage lenders that meet your needs. We will also provide guidance on the various mortgage types and products available, such as fixed rate, variable rate, and split mortgages.
Housing Loan
Warning
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
Effect of missing repayments
Warning:
IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.
Personal Lending
Warning:
You may have to pay charges if you pay off a fixed rate loan early
Residential Mortgage
Warning:
IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.
If your mortgage is ever on a variable rate
Warning:
THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
Warning:
THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.
Warning:
THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
If your mortgage is ever on a fixed rate
Warning:
YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.