What do you want to know about getting a mortgage in Ireland?

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What do you want to know about getting a mortgage in Ireland?

2022-02-10

General

How to get a mortgage in Ireland is one of the most frequently asked questions we hear.

We’re always on hand to answer your questions about mortgages. Our team works with hundreds of clients every month, finding which mortgage is right for them and helping them buy the home of their dreams.

In addition, we explore the questions around mortgages in our blog.

How to save a deposit for your mortgage

As anyone who has partnered with us to obtain a mortgage knows, we are zealous about deposits.

Regularly saving money for a deposit does two important things for you:

Helps you borrow less from a lender
Strengthens your mortgage application as you can show a record of consistent savings

We have covered saving for a deposit extensively on our blog. These posts may help you get started on your savings journey:

Preparing for a mortgage is a marathon not a sprint

Signing up to a mortgage is a serious commitment. And taking the time to prepare your mortgage application is a worthwhile investment of your time.

It’s also encouraging to know that there is a lot you can do to get yourself mortgage-ready even while you’re still saving for your deposit.

Remember, every step you take is one step closer to you getting the home of your dreams.

These blogs can help you with your preparation:

Cashback and non-cashback mortgage offers

When you begin exploring the world of mortgages, you might run into some terminology you’re not familiar with. Don’t worry! We’re here to help you understand everything you need to know.

In Ireland, there are more than 250 mortgage products on the market.

While there are variations with each of these products, they broadly fall into two buckets; cashback and non-cashback offers.

You can find out more about these mortgage products in our blog:

What is the difference between a cashback and a non-cashback mortgage?

Put more money into your pocket in 2022 by switching your mortgage

If you’re already a mortgage holder, you could be in for an exciting surprise to know that one of the fastest ways to increase your disposable income is by switching your mortgage. And the money is tax free.

In fact, the Central Bank of Ireland encourages people to regularly evaluate their mortgage to see if it really is the best deal for them.

Here are a selection of our blogs that discuss how to switch your mortgage.

Please feel free to contact us to discuss your mortgage needs. We’d be delighted to help you.