First Time Buyers
Buying your first home in Ireland is one of the biggest financial decisions you will ever make. Before you decide on your new home it is important that you do your homework.
There are a wide range of providers and mortgages across the market providing a vast selection of mortgages to choose from, and useful though it may be to have plenty of choice, it can leave you feeling completely daunted and confused.
Buying a home takes a number of weeks, as there are a number of different factors that need to be taken into account. We will discuss your personal circumstances with you, such as your income, outgoings, future plans and savings.
There are many types of mortgages available on the market and it can be confusing to know which one is right for you. This checklist is a prerequisite for any mortgage
"The service I received from Trevor was of the highest of standards only surpassed by the financial advice. Trevor’s recommendations continue to save me a significant amount of money each year. I have and will continue to recommend Trevor to family and friends."
Michael Finnegan, Global Account Manager at SIX Financial Information
"I was referred to Trevor by colleague and felt completely at ease from our first meeting. He simplified the process of getting a mortgage and ensured that he would get us the best deal on the market to suit our needs. He advised us that we were in a position to buy straight away and stayed on top of us when we needed to get our paperwork together. He was an excellent sounding board when we went through some difficulty in the sale process with the vendor. He is incredibly knowledgeable and provided detailed advice that I’m not sure many other brokers would be in a position to give. He also provided us with excellent financial advice around life and house insurance and ensured that we got the best deal. We have moved into our new home and couldn’t be happier, we wouldn’t be here if it wasn’t for Trevor! "
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.
Warning: You may have to pay charges if you pay off a fixed rate loan early
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.