Irish Pensions and Finance

Purchasing – Irish Pensions and Finance

Applying for a mortgage can be a daunting experience.

But whether you are a first-time buyer or looking to move house, our simplified application process can relieve the stress, so you can focus on finding the home that’s right for you.

How we can help

  • We can research the market for you to find the right mortgage deal for you at best possible rate
  • We can offer clear, concise advice as we guide you through the step-by-step process
  • Provide you with a clear outline of the options available so you can make the choice that’s right for you
  • We can approach some of Irelands top lenders on your behalf, so you don’t need to make multiple applications
  • Provide a one-stop-shop for all your Financial Planning needs, from Life Cover and Mortgage Protection to you pension, savings and investments.

So how does it work?

Follow our step by step guide below to understand how the mortgage process works, from application to receiving your keys.
Are you ready to begin your mortgage journey? Enter your details below to arrange a call from our Mortgage Advisor.

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You can download our Mortgage Checklist below to find out what you will need to start the process

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Alternatively you can call us directly on 01 8298500 and speak to our Mortgage team.

FAQs

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​​HOW MUCH OF A DEPOSIT DO I NEED TO HAVE?


​If you are a first time buyer, the maximum Loan to Value is 90%, which means you require a 10% deposit. For example, if you are purchasing a property for €300,000, you would require a €30,000 deposit. For second time buyers, the maximum Loan to Value is 80%, which means you require a 20% deposit.
​The Help to Buy Scheme is available for first time buyers to assist with the deposit, where you can receive up to €30,000 from Revenue for this purpose. Please see Revenue.ie for all terms and conditions.

what is the difference between interest rate and APR?


The Interest Rate is the actual rate at which interest is charged on the amount you borrow. APR stands for Annual Percentage Rate (APR) which is the total cost of your mortgage over its term, taking into account both interest rate charged and other fees, as well as whether interest is charged monthly or quarterly.

HOW MUCH CAN I BORROW?


​The Central Bank of Ireland imposed limits on mortgage lending in 2015 which means the normal maximum mortgage level is capped at 3.5 times your income. For example, if your salary is €50,000 you can borrow up to €175,000. Lenders can make a certain level of exceptions to this rule but they are looked at on a case by case basis and are not guaranteed.

WHAT IS A LOAN TO VALUE RATIO?


The loan to value (LTV) is the amount of your existing loan as a percentage of the value of your property.

Are there any associated costs involved?


Yes, there are three main associated costs involved:

  • Stamp duty – this is a tax charged by the government on the purchase of a property. It is calculated at 1% of the purchase price for any properties up to €1 million, and 2% thereafter.
  • Solicitors fees – these can vary depending on your solicitor but will typically be around €2,000.
  • Valuation fee – this can vary depending on the lender but will usually cost around €150.

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// Relies on a global require, specific to platform elements
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this.fixBoxStyleBorders();
this.setupAccordion();
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/**
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