New mortgages

There are many criteria that a lender applies when assessing your mortgage and they must comply with Central Bank lending guidelines around how many multiples of income you can comfortably borrow. A lender has its own net income tess and criteria that they also refer to. We can guide you through the different criteria and advise you of your options and likely loan amounts.

A first time buyer will need a 10% deposit and a second time buyer will need a 20% deposit. There are exemptions to these rules and we can advise you of your options in that regard.

We will require income, banking and identification documents however we will provide you with a full list of documents and a secure facility to upload all of your documents.

You will need mortgage protection and we can advise you as to your options as we also deal with all life assurance providers.

We recommend that you have your approval in place before looking for a home to purchase. You may be asked for proof of approval by the selling agent when you view the property at the outset and some estate agents wont show a property to a buyer unles the yhave evidence of loan approval in principal.

There are many steps to walk through and we are with you all along the way. Apart from being mortgage experts and evaluating your best options and the application process, supporting you throughout your purchase journey is the most important thing that we do. We are the common link with you and all the other parties within the process. This is what we do and doing it well is something that we are very proud of!