When it comes to mortgages, there are more than 250 products on the market in Ireland. Some of the newest of these products are green mortgages. And they’re rising in popularity thanks to an increased focus on environmental matters. Not all lenders offer green mortgages yet, but many do. At Which Mortgage, our goal is always to find which mortgage is exactly right for you to achieve your property dreams. So let’s take a look at this type of mortgage. Would a green mortgage be right for you? Who qualifies for one? Do they really help the environment? What is a green mortgage? Although different ..read more

Media coverage around mortgages can sometimes add to the stress people feel around this type of financial loan. In recent months, there has been a lot in the media about potential  future mortgage rate increases based on global inflation pressures and Eurozone base rates. As you can expect, individuals getting ready to apply for mortgages might be a bit worried about this news. The good news is that lenders in Ireland are always looking to create the best possible mortgage products for homeowners. One of the most recent changes we’ve seen from one of Ireland’s lenders is the new deals Fin ..read more

As a mortgage broker in Dublin, we receive many questions from our customers every month. And we’re always happy to provide an answer! One of the questions we frequently hear is about mortgage exemptions. These were introduced by the Central Bank in 2015. But, even though they have been around for a good few years now, they still cause some confusion. Mortgage lending rules in Ireland It can seem a long time ago now, but the global recession in 2008 had a profound effect on Ireland’s lending system. With the economy in some serious hot water, many aspects of the country’s financial processes w ..read more

Covid-19 has introduced an enormous dose of uncertainty into our lives. But the truth is things are always uncertain. It’s just that the last period of time has brought it more into focus. As a mortgage broker in Dublin, we regularly advise our clients to run stress tests on their finances. A stress test is a way to see how your finances would hold up if your circumstances changed suddenly. While the name might have the word “stress” in it, running a stress test once or twice a year can actually give you peace of mind. You will know what you need to plan for. And be able to make new arrangemen ..read more

You’ll need to submit a mortgage application to secure a loan to buy your dream home.  This application will be made up of a pack of documents and lenders will go through it thoroughly. The Central Bank has strict guidelines which are enforced to make sure that responsible lending is taking place. It’s important to get your paperwork in order before you come to apply for a mortgage. Lenders want to see evidence for everything you claim in your application. At Which Mortgage, we’re getting a lot of this process online to save you time.  However, it’s fair to say you need to prepare a ..read more

Switching your mortgage is one of the easiest ways to put extra money back into your household budget.  In most households, the mortgage is likely to be the largest expense on a household’s balance sheet. And it’s a bill you pay for a long time. Mortgage terms can run from 20 years to longer. Therefore, it makes perfect sense to ensure you’re on the best deal for your mortgage. You can do that by exploring what the market offers and making the switch. We’ll help you every step of the way. The savings available when you switch your mortgage There are some big savings on the table for you i ..read more

We encounter one question over and over in our work… “how do I get a mortgage?” Now, buying a house is a legal contract as much as it is anything else. The process requires focus and commitment. However, there are ten tips we share with every first time buyer who comes to us for help. If you put these ten tips into action, you’ll be well on your way to buying the home of your dreams. We’re sharing them here to get you started on your mortgage journey. Save, save, save – even small amounts add up From the moment you decide that you want to buy a home, begin saving. The simple act of doing thi ..read more

When it comes to getting ready for a mortgage, it can seem like there is a lot to take care of.  Buying a home can be an exciting time, but can also come with some stress. Not if you partner with us! Our promise to you is to remove the hassle and confusion that comes with finding the right mortgage so you can get on with house hunting. (You can see some of our testimonials here from our customers.) That said, buying a home is a serious commitment.  It’s worth pausing and spending some time to really dive deep into your reasons for buying a home to make sure it is the right decision f ..read more

You’d like to submit a mortgage application but your credit history is not the greatest. Don’t despair. We can help you fix that. Now, we’re not going to mislead you. Lenders pay close attention to credit histories and a poor one is not going to do you any favours. But a sub par credit history is not set in stone. With a strategy in place and a determined effort, you can improve your credit history and apply for a mortgage with great success. Know what your credit history is Firstly, it’s important to be completely honest with yourself and your mortgage broker.  Many people experience cre ..read more

As a mortgage broker in Dublin, we help hundreds of clients every month qualify for a mortgage and buy the home of their dreams. Part of our role in guiding people through the mortgage process is answering their questions. And one of the questions we get asked the most is about the differences between cashback and non-cashback mortgages. This is not surprising. In Ireland, there are more than 250 mortgage products on the market. Frequently, cashback offers are included in mortgage products but there are a few things to consider. Cashback offers on mortgages vary Many lenders in the Irish marke ..read more