01 8115786
Mortgages
First Time Buyer
Your mortgage is probably the biggest financial decision you will make during your lifetime.
As a Mortgage Broker we have access to mortgage providers in the broker market and hence can offer free unbiased advice to you, with regard to the different criteria each bank will have and the best interest rates they have to offer.
We will review your current financial position, listen to what you want to achieve and recommend a suitable mortgage solution that is right for you and meets your needs.
The mortgage amount you can borrow is determined by a number of factors and normally based on the different rules and policies of each lender.
For exmaple:
1. Which banks will give LTV (Loan to Value) Exception and which banks will give LTI (Loan to Income) exception and what is there criteria?
2. Which bank will allow a parent to act as a Guarantor?
3. How much of the deposit can be a gift from a parent etc.? what are the rules?
4. How much money can I get, if I am self-employed?
5. How many months bank statements I need to submit?
6. What mortgage rates apply? – the difference between Fixed, Variable, Tracker and Discount mortgage rates
7. What is the maximum term for a first-time buyer?
8. Which offer mortgage breaks at the start of your mortgage – allowing you to use your initial monthly repayments to assist in refurbishing the property?
9. Where to get mortgage protection and who provides the better and affordable cover?
Make your life easier by meeting one of our experienced mortgage brokers. Give us a call on 01 811 5786 or email on info@financechoice.ie
Warning: If you do not keep up your repayments you may lose your home.
Switcher
Did you know you can reduce your interest rate by up to 2%* or more by Switching? Finance Choice looks after the process for you, to secure the strongest offer for you.
Will it work for you?
- You can switch mortgage on a house you live in, in Ireland, from any mortgage provider.
- When considering your mortgage application Lenders will look at your (loan to value ITV ratio).
- Your payments have to be up to date, and your mortgage needs to have some equity in it, which means the balance is less than the value of the house
We can reduce your monthly payments, while reducing your interest rate, to save you tens of thousands over the lifetime of your mortgage. In addition, we are flexible with regard to meeting times, so you don’t have to take time off work – Contact - 0871467602 (anytime) or fill the enquiry form.
Warning: If you do not keep up your repayments you may lose your home.
Remortgages
Remortgaging is when you pay off your existing loan and take out a new one against the equity you have on your home.
There are many reasons why people decide to re mortgage such as:
- ✓ Cheaper Interest Rate
- ✓ Release Equity
- ✓ Home Improvements or build an extension
Equity Release;
It may be possible in certain circumstances to release equity in your home to allow you renovate your home, educational fee purpose, convert or build an extension. Talk to us today and we can advise if you would qualify for an equity release.
Warning: If you do not keep up your repayments you may lose your home.
Not Sure Which Plan is Right For You?
If you are in doubt of which plan to opt for, book one of our free one to one consultation and we will help you make the right decision.