Getting a mortgage with bad credit is possible, but it can be harder. Irish lenders are very unforgiving about adverse information on your credit file. Firstly, your credit file is a register of any credit you may have from credit cards, loans, and even monthly insurance on your car. If
Property Checklist created in partnership with Perfect Property Buying a home can be an exhilarating yet daunting experience. No property will be perfect on all fronts, so there are many considerations buyers should keep in mind when viewing a property for the first time. At Mortgage123, we understand that many
Switch mortgage providers – does it make sense? With mortgage rates as low as 1.95%, many people are looking to switch mortgage providers in Ireland. Even more, a new mortgage lender Avant Money entered the Irish mortgage market in Sept 2020 with 7-year fixed rates as low as 1.95%**. This
Mortgage exceptions or exemptions are a hot topic now as house prices are not going down and demand is remaining stable. Note that mortgage exceptions do not have anything to do with the Wage subsidy scheme. Banks have their own criteria when it comes to giving mortgage approvals to applicants
1. To Switch or Not to Switch? A mortgage rate comparison from a broker could save you hundreds if not thousands each year after making a simple mortgage switch. Not enough mortgage holders in Ireland take advantage of the benefits of a mortgage switch. Some of the reasons to switch
The ‘Housing for All’ scheme is the Government’s new housing plan for 2030. This new housing scheme aims to increase the supply of housing by an average of 33,000 new homes per year and eradicate homelessness in Ireland. This figure is based on research by The Economic and Social Research
Post updated: 24/02/2023 The house you are buying needs house renovations – so how do you fund these renovations? There are various ways you can fund renovations. You can take out a bank loan or credit union loan once you complete on the purchase of a property. If you don’t
Firstly, congratulations on getting this far to buying a house! You have managed to get your mortgage approval in principle, and found the perfect house. However, the journey is not over yet. Setting your heart on a property can be very exciting, but getting hold of your dream home takes
With the current property shortage and a record number of buyers, people are looking at every way to enter the property market. Buying at Property Auctions, especially online, now seems to be more frequent, and we are getting daily calls from clients to ask about the process. It is important
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Warning: If you do not keep up your repayments, you may lose your home. You may have to pay charges if you pay off a fixed-rate loan early. The cost of your monthly repayments may increase. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. IPS Financial Advice Limited t/a Mortgage123 is regulated by the Central Bank of Ireland. Privacy Policy