Category Archives: Mortgage News

Best Mortgage Rates Available for December 2018

Category : Mortgage News

 

 

 

 

December is looking like one of the best months for mortgage deals!

The Mortgage123 team is constantly monitoring the mortgage market to put you in the most favourable position for a mortgage application.

There are many variables which determine the mortgage rate and deal which will be best for each applicant, but some of the highlights this month include:

  • Lowest interest rate – 2.3% fixed for 2 years, based on 90% LTV. This offer includes €1,500 cash back and a free valuation
  • Best variable rate – 2.75%
  • Best deal for mortgage switchers – 2% cash back towards legal fees
  • There is also a 7 year fixed option at 2.99%

For more information, download the Mortgage123 Guide or give us a call on 061-513076


Energy and Money Saving Tips for Winter 2018

Category : Mortgage News

 

 

 

 

Temperature 

Heating

Turn your living area thermostat down to 20°C. The temperature in hallways and bedrooms should be cooler, ideally between 15-18°C.

Radiators

Use the radiator valve to turn the temperature down or off in rooms that you do not use a lot.

Hot water

Set your hot water thermostat to between 60-65°C, to make sure that you do not overheat your water.

Appliances

Most of the energy used by a dishwasher and washing machine is for water heating. Run them on a lower temperature setting and save on your energy costs. Wash clothes at 30°C  if they aren’t particularly dirty.

Fridge freezer

Keep your fridge’s temperature at between 2–3°C for the best performance. This keeps your food safe to eat and avoids freezing (and ruining) your fruit and veg. The freezer should be set to -15°C.

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Switch Off

Heating

Turn the heating off when you leave the house or if you go away. Remember, your radiators will continue to heat your home for some time after the heating has been turned off.

Appliances

Switch off all your appliances at night and when you are not home. You should turn off your computer whenever you are not going to use it for more than an hour.

Devices

Use a power strip which means that at night or when you leave the house, you can easily unplug your devices at once.

Lighting

Turn off lights when you are leaving a room or when you do not need them.

Cooking

When your food is nearly cooked, turn off the rings/oven and use the built up heat to finish cooking your food.

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Light

Windows

Hold off switching on lights in the evening until absolutely necessary.

Layout

Position your furniture so you make the most of natural light.

Light Bulbs

Replace failed light bulbs with energy efficient options, in particular LED lights. Select the lowest wattage bulb needed to light the room/area and consider the size of the space and how much natural light the space gets.

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Appliances

Washing machine and dishwasher

Try to use the washing machine and dishwasher at times when there is lower energy demand and avoid turning it on between 7-9 in the morning and 5-7 at night. This may not save you money but will help avoid excessive CO2 emissions from power stations.

Tumble dryer

Tumble dryers are big energy guzzlers so dry clothes on a clothes horse or washing line.

Fridge / Freezer

Don’t leave the fridge door open for too long while getting food. For every 10–20 seconds the door is open it takes 45 minutes for the fridge to cool down to its original temperature.

Don’t put warm or hot food straight into the fridge or freezer. The fridge or freezer has to work extra hard and draw more energy to cool it down. Thawing food in the fridge is better for keeping your food safe to eat and keeps the fridge cool.

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Draughts

Close doors between rooms that are heated and unheated to keep the heat in.

Check windows, keyholes and doors for draughts of cold air and plug them.

Unused fireplace? A chimney balloon will keep the draughts out and the heat in.

Close curtains to keep heat in, but open them in the morning to let the heat of the sun in.

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Hot Water

A shower typically uses 20% of the energy compared to a full bath, so keep the bath as a treat.

Don’t leave the hot tap running – you are pouring energy and money down the drain.

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Cooking

Oven

Keep your oven door shut and use the space well. Batch cooking saves you time and energy, especially if you have a busy lifestyle.

Hob

Don’t let the heat escape – by covering your pots and pans with a lid. The lid keeps the heat in and reduces condensation in the kitchen. Use the right sized hob for your pan – the closer the match, the less energy you use.

Kettle

Don’t boil full kettles for one cup of tea, but do make sure you have enough water to cover the element.

 


Mortgage123 wins Team Performance of the year!

Category : Mortgage News


PHOTO CREDIT: David Kenna. dak photography


PHOTO CREDIT: David Kenna. dak photography


PHOTO CREDIT: David Kenna. dak photography

 

 

 

 

Fantastic news! We are the winner of the Team Performance of the Year award at the MyBrokers Ireland Awards 2018 Brokers Ireland.  The Team Performance of the year Award recognises teams of staff who foster co-operation, collaboration and open communication while working together on a project or who have extended significant effort that advances organisational goals.

Sean Corbett and Aisling McNamara attended the ceremony and received the award on behalf of the team on Thursday, 18th October in the Round Room at the Mansion House, Dublin.

We would like to thank everyone who voted for us!


Handy Kitchen Storage Tips for Compact Kitchens

Category : Mortgage News

 

 

Making use of an empty tissue box, by filling it with bags for your dustbin or shopping bags will tidy the place up!

(And get rid of the overflowing bags of bags some of us stash in the cupboards)

 

 

 

 

 

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Using coat hangers can free up space in kitchen cupboards and counter tops, by allowing you to hang colanders and pots on the walls!

 

 

 

 

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Hanging Spice Racks are a handy space saver.

 

 

 

 

 

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Putting shelves into cupboards lets you fit more, instead of dangerously stacking plates/bowls and canned goods on top of each other. These ones are from IKEA.

 

 

 

 

 

 

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We just love these organiser drawers for the fridge! We found these on Ali Express!

 


Tiny Bathroom Decoration Tips

Category : Mortgage News

 

Tiny Bathroom Decoration Tips

 

Instead of cramming bottles on the edge of the bath, Insert a second shower pole near the wall. S-hooks keep loofahs and small caddies out of the way (and not falling all over the place).

 

 

 

 

Add shelving over a toilet. It may be the perfect place for bathroom essentials and also adds a nice slick touch to the look of the place.

 

 

 

 

 

Makeup and small toiletries can make the bathroom look messy. Why not try this cool design look of hanging jars on a board?

 

 

 

 

 

Wine racks can make great towel holders!

 

 

 

 

 

 

 

 

Who doesn’t love the beach? Adding driftwood and sea-shells to a bathroom mirror can add a seaside touch to your bathroom, also, fill jars with sand and shells to finish the look.

 

 

 

 


Self Build Cork 2018

Category : Mortgage News

Self Build Live Cork

 

We are delighted to announce we will be attending Self Build Live Cork, on the 10th and 11th of November!

Come long to the show and meet the team!

With such a great turn out at the Dublin show in September, we are very happy to be joining the convention again.

 

 


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