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Articles in Category: Mortgage

Mortgage Payment Skip

Coronavirus Mortgage repayments

So, due to the coronavirus pandemic the banks have announced that they will offer mortgage customers a break from monthly repayments up to 3 months, some banks say 6 months, or interest-only payments in certain circumstances.

Mortgage Interest Rate war heats up

Permanent TSB latest to reduce their rates

Permanent TSB becomes latest lender to lower its mortgage rate in price war

Another bank has lowered its mortgage rate as lenders continue to compete hard for a share of the home-loan market.

Mortgages when earning Sterling

Cross Border Workers

 Cross Border Workers

This is area for confusion for lots of people. Especially for our friends living in or working in Northern Ireland who want to buy a home and live in the Rep. of Ireland. This is very prevalent for people around the boarder areas of Derry and Tyrone wanting to move to Donegal, where property prices are cheaper.

Mortgages in 2020

Mortgage Confusion

Mortgages in 2020

A new decade is upon us and 2020 is set to be a busy year for Mortgage Lending, we are currently seeing weekly enhancements to both mortgage criteria and interest rates which is being welcomed by customers, all be it confussing.

Mortgages for Northern Ireland Residents.

Living in Northern Ireland and want to buy in Rep.?

House in the sandNorthern Ireland residents are house hunting once again in Donegal, especially in the border villages. They are looking for bargain buys, which are available in Donegal.

Help to Buy Scheme

Help to Buy Scheme

First Time Buyers Help to Buy (HTB) Scheme

At last, some guidance as to how the lenders are going to deal with the Help to Buy Incentive” in terms of the deposit needed for first time buyers.

Housing Market Bulletin Dec 2016

AIB Treasury Economic Research Unit

Housing Market Bulletin Dec 2016
The Irish residential property market continues to dominate public and political discourse. Recently, a lot of attention has centred on issues such as the help-to-buy scheme, the altering of the Central Bank mortgage regulations and rent control. In Budget 2017, the Government outlined a scheme that will provide %rst-time buyers with a rebate of income tax paid over the previous four years of up to 5% of the purchase price of a new home, up to a maximum value of €400,000. The Government hopes that this measure can provide some level of certainty to developers regarding housing demand, thereby boosting new supply.

Mortgages in Donegal

Are lenders providing Mortgages in Donegal?

Mortgages in Donegal

Are lenders providing Mortgages in Donegal?
We are asked this questions a couple of times every day and the answer is YES, but not all banks. Some lenders are choosing the area’s in the County they wish to lend for and a new provider to Ireland is not lending in Donegal at all yet. The banks are lending but the lending criteria is tight and you must satisfy the criteria to get a mortgage or any other lending for that matter.

Non-Resident Landlords

Trouble Brewing

Non-Resident Landlords

Trouble Brewing. If you are renting property the Rep. of Ireland, particularly in Donegal, but not living in the Rep of Ireland, there is a tax issue which you need to be aware of.

Pepper Homeloans

Pepper Homeloans

Pepper Homeloans has launched three mortgage products in Ireland for both home owners and buy-to-let loans. This is the first new mortgage lender in the Irish market since the banking crash.

Negative Equity Mortgages

What is negative equity?

Negative Equity Mortgages

Negative equity is when the value of your property is less than the amount owed on your mortgage. This means that if you wish to sell your house, the sale amount will not cover the amount you need to clear your mortgage. In other words, if you do sell your house you will still be left with an outstanding loan.

Tips for getting mortgage ready!

Tips for getting mortgage ready!

Lenders are now looking closely at basic income; bonuses and overtime cannot be guaranteed to be taken into account when a lender is assessing your application. Make sure you have six months of payslips, last year’s P60 and a salary cert completed by your employer (you can obtain a salary cert from your Financial Broker).

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