At Quigley Financial Brokers we have multiple agencies with Ireland's leading lending institutions or whom we have access through our appointment with Brokers Ireland Network Services. As experienced Mortgage Brokers our aim is to broker the right deal for you with the panel of lenders we have access to, based on your personal circumstances and individual lender criteria. Dealing direct with a bank you are only offered their product and rates.
First & Second Time Buyers, Trading Up / Trading Down, Mortgage Switch & Save, Re-Mortgage / Equity Release Consolidate Loans, Cash Back Mortgages, Buy to Rent, Lifetime loan for over 60.
MORTGAGE SWITCHER OFFER.
Up to 4% back in cash or monthly savings by availing of the recent interest rate reductions, complete our complimentary mortgage application form now, book an appointment or request a callback.
COMING SOON LIFETIME LOANS FOR OVER 60.
Unlock some of the equity built up in your home to have a more comfortable retirement, no regular repayments are required during the life of the loan, it is secured against the Title of your property, there is an interest rate charged for the loan, the loan becomes repayable once deceased, if of interest please submit your details through our contact us page to be added to our waiting list.
Up to 4% back in cash or monthly savings by availing of the recent interest rate reductions, complete our complimentary mortgage application form now, book an appointment or request a callback.
COMING SOON LIFETIME LOANS FOR OVER 60.
Unlock some of the equity built up in your home to have a more comfortable retirement, no regular repayments are required during the life of the loan, it is secured against the Title of your property, there is an interest rate charged for the loan, the loan becomes repayable once deceased, if of interest please submit your details through our contact us page to be added to our waiting list.
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Mortgage Knowledge
The maximum mortgage is generally 3.5 times your gross annual income and 80% of the property value (90% of the property value for First Time Buyers, 70% of the full property value for Buy to Let) but these limits may vary. It is always important to pay close attention to how the lender's will view your mortgage application. I’m sure you have heard a lot recently about how it can be difficult to secure a mortgage but in our experience if you present the application as the lender wants it then you will have no difficulty securing the finance you want. So take a look at a few simple items that the lenders will look at in assessing your application;
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8 STEPS TO GETTING A MORTGAGE
1. Apply for your mortgage and get pre approved. start a complimentary inital review now 2. Approval in principal. This is a letter that the bank issues after assessing your application approving your loan with a list of outstanding conditions. 3. Choose a solicitor. A solicitor is required for your letter of offer, the contract from the bank offering you the mortgage. 4. Valuation. One of the banks conditions in the approval in principal letter is to have a valuation done with one of their valuers, listed on their panel in your area. 5. Letter of offer. All the outstanding requirements in the approval in principal letter along with the valuation, solicitors details will be required to issue the letter of offer. This is your formal offer from the bank. Legal papers will now be issued to your solicitor. Your solicitor will go through these with you all being to your satisfaction he will get you to sign them. 6. Life and home insurance. A condition of the loan offer is to have a mortgage protection (life) and building (home) insurance in place before the bank will issue the cheque to close the sale. 7. Exchange of contracts. You have went through your letter of offer with your solicitor, the solicitors arranges all searches etc. on the property all being satisfactory the solicitor now liaises with the sellers solicitor, contracts are exchanged, the deposit approx.10% of the price is now paid. 8.Completion and keys. The solicitor requests the loan cheque from the bank, closes the sale, requests keys, purchase complete. |
At Quigley Financial Brokers we will ensure your application is presented in the best possible manner to ensure you are successfully approved.
Fully complete our complimentary mortgage application form email to info@quigley.ie for an initial review. Once reviewed a Financial Broker will be in contact to discuss your mortgage needs.
Fully complete our complimentary mortgage application form email to info@quigley.ie for an initial review. Once reviewed a Financial Broker will be in contact to discuss your mortgage needs.
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY LOAN SECURED ON IT.
VARIABLE RATE WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
FIXED RATE WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY.
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY LOAN SECURED ON IT.
VARIABLE RATE WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
FIXED RATE WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY.
