Irish / UK Mortgages

First Time Buyers

Buying your first home will be one of the most important decisions you will ever make, both emotionally and financially. I help many buyers purchase their first property.

The amount you can borrow is based on your salary, savings and credit history.  In general, a mortgage of up to 4 times your gross annual income (combined income for joint applicants) is available to first-time buyers.  First-time buyers can typically borrow up to 90% of the property value.

Switchers

By switching your mortgage to an alternative lender, you can reduce your monthly payments by benefitting from a lower interest rate with the new lender.

You will have a choice of moving to a a fixed or variable mortgage rate to suit your circumstances.

As your circumstances change, so can your mortgage. We are here to do the work for you, so all you need to worry about is where to invest your savings.

Equity Release:

Release equity tied up in your Property to help fund other goals.  Some of the popular reasons for Equity Release include:

  • Paying for home / Property improvements
  • New Home or second home
  • To pay off an existing mortgage and debts
  • To help family members financially
  • To pay for Holidays or New Cars
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EXPAT MORTGAGES

As an expat, when it comes to purchasing a property in Ireland or the UK there are a number of items that need to considered.  These include:

  • Income Levels
  • Savings Record
  • Credit History
  • Employment Category and Status
  • Whether you are a First Time Buyer or already a property owner
  • The tax implications of purchasing a property while living abroad
  • Whether the property will be a family home or a buy to let property

Typically a loan of 70% of the property value can be obtained (subject to normal lending criteria).

If you are interested in obtaining a property in the UK or Ireland please contact me and I can explain the process involved in helping you achieve your goal.

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