Moving House
Moving Home
If you are moving home, we will guide you through the entire process. We will check and compare mortgage products to find the best option for you. Our goal is to ensure you get the most suitable mortgage product available on the market.
The criteria for second-time home buyers are very similar to those for first-time buyers, with one key difference. Under new Central Bank rules starting in 2023, second-time buyers will only need a 10% down payment but borrowing limit remains capped at 3.5 times income.
A few exceptions to that rule may be allowed in special cases.
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.