Buying a home is one of the biggest financial commitments you will ever make. From the moment you draw down your mortgage, your income becomes the engine that keeps everything running—from your monthly repayments to your day-to-day living expenses. But what happens if that income suddenly stops? Illness or injury
Check My Eligibility for Green Rates A strong trend in the Irish mortgage market in recent years has been the rise of “green mortgages” in Ireland. Lenders are increasingly rewarding borrowers who purchase energy‑efficient homes. They avail of fixed mortgage rates that can be more than 1% lower than standard
Whether you’re buying your first home or moving up the ladder, saving for a mortgage deposit remains one of the biggest barriers to home ownership in Ireland. Lending rules still mean most buyers only need a 10% deposit. But with average property prices significantly higher than a few years ago,
The Irish mortgage market has been shaken up following the announcement that Núa Money will offer certain first-time buyers mortgages of up to five times their income/ salary. This is something not seen in Ireland since before the financial crash. For many buyers struggling with rising house prices, this could
If you’re starting your home-buying journey, one of the first questions you’ll face is: Should I go directly to a bank, or use a mortgage broker? Buying a home is exciting, but the mortgage process itself can be time-consuming and complex. In fact, it can take up to 60 hours
When you first take out a mortgage, you make a series of big decisions—fixed or variable rate, term length, lender, and repayment structure. At the time, those choices usually make perfect sense. But life doesn’t stand still—and neither do mortgage rates. What suited you a few years ago might not
Not everyone realises they may still qualify as a First-Time Buyer in Ireland — even if they owned a home before. Buying your first home is one of the biggest financial decisions you’ll ever make. But in Ireland, the definition of a First-Time Buyer (FTB) has evolved in recent years
Buying a house that needs renovations can be a smart way to get better value and create a home that suits your needs. However, funding those renovations is often where buyers run into uncertainty, particularly when mortgages are involved. In Ireland, there are a few different ways to pay for
What Is an Approval in Principle (AIP)? In the Irish mortgage market, an Approval in Principle (AIP) is a preliminary assessment from a lender that shows how much they may be willing to lend to a potential home buyer. For first-time buyers, it’s a vital first step — helping you