Introduction In a country known for its rich traditions and bustling technology sector, it’s no surprise that even the age-old process of securing a mortgage has shifted online. Ireland, with its vibrant economy, is embracing the convenience of online mortgages. In this comprehensive guide, we delve into the benefits, considerations, and navigating the evolving realm of online mortgages in Ireland. The Emergence of Online Mortgages Gone are the days of endless appointments with bank representatives and drowning in paperwork. With online mortgages, the entire application to approval process can ..read more

Introduction Sustainability has emerged as a pivotal focus across various facets of our lives, including the realm of homeownership. In Ireland, an increasingly popular and innovative solution gaining traction is the concept of green mortgages. These financial instruments provide incentives for individuals who prioritize eco-conscious decisions when purchasing or renovating homes. Let’s delve into how green mortgages are propelling sustainable homeownership forward in Ireland. Understanding Green Mortgages Green mortgages, also referred to as energy-efficient mortgages (EEMs), are financial to ..read more

Interest-only mortgages have surged in popularity within the mortgage industry, offering a distinctive structure and potential advantages. Yet, like any financial tool, they come with both pros and cons that warrant careful consideration for prospective homebuyers. In this article, we delve into the merits and drawbacks of interest-only mortgages, empowering you to make a well-informed decision regarding their suitability for your journey to homeownership. Interest-only mortgages offer several appealing advantages. Initially, they feature lower monthly payments compared to conventional mortgag ..read more

Understanding the intricacies of credit ratings is paramount for those seeking mortgage approval, as it significantly influences loan conditions and eligibility. In Ireland, where securing financing for one’s dream home is a significant milestone, comprehending how credit scores affect mortgage approval is essential. Credit scores serve as a key metric for lenders to gauge an individual’s creditworthiness and repayment capability. Factors such as payment history, credit utilization, credit history length, new credit accounts, and credit mix contribute to these scores. Timely payments, low cred ..read more

In light of the pressing global imperative to address climate change, there’s a notable surge in efforts from both individuals and industries to shrink their carbon footprint and adopt sustainable habits. Within the realm of real estate, this shift towards sustainability is unmistakably reflected in the rising popularity of green mortgages. Here in Ireland, esteemed for our natural beauty and unwavering dedication to environmental conservation, the advent of green mortgages signifies a commendable stride towards a greener future. This begs the question: What exactly do we mean by “green” mortg ..read more

With the recent announcement of PTSB dropping their 4 years fixed rate and announcing low 3 years fixed rate, things sure look like the decline of mortgage interest rates is about to start. You could save yourself a could of euros a month in mortgage repayment by switching to another lender with lower rates. Contact us today to see which rates you could get and how much you could save ..read more

Building your dream home may seem like a nightmare from finding a plot of land to build, getting the planning permission and finding the builders all before you start building. However, one thing that would be made easy is getting the mortgage to build the house. We at Irish mortgage Brokers are experts in self-build mortgages and would make the mortgage process easy for you from the first initial drawdown to the final drawdown. There are also government schemes that can help you with financing the build such as the help to buy and first home scheme. You can’t find your dream home, why not bui ..read more

  At some point in your life, you may wish to ditch the rental market and buy a home. Buying a house can be a wonderful and exciting time. But it can also be a complex and confusing process if you are not fully informed on the processes involved in buying a house. There are basically 5 steps to the process of buying a property in Ireland. So, here’s a quick summary of the steps; Financial Stage House search House viewings Putting down an offer Closing the purchase.    Financial Stage This is the most important step when it comes to buying a property in Ireland. There are two ..read more

A visa is a paper document attached to a page of the holder’s passport, that serves as a form of pre-entry clearance which allows the holder to travel to the country that issued the visa. Most visas to Ireland are valid for 90 days, if you wish to stay for more than 90 days, you would have to apply to Immigration Service Delivery (ISD) for permission. You would need this permission if you are from a country outside of the EU and Switzerland. You will need this permission to work, study, live, join family or get a mortgage in Ireland as a citizen of a non-EU country. There are about 12 visa sta ..read more

Firstly, I would like to wish you all a Happy New Year. As many of us spend more time at home during the Festive season than we do throughout the year, we often look back and reflect on the past year and start thinking about potential changes we might make in 2024. A lot of us will be thinking of moving home this year, maybe the family grew in 2023 and you are looking for more space, where as some people will be looking to downsize as their children move into a new home of their own. Maybe you are working remotely now and want to relocate to a different County? These are just some of the many ..read more