Different types of mortgages available
You've made the decision to get your foot on the property ladder, or maybe you already have a property. The next step is to find the type of mortgages that apply to your situation.
How much mortgage can I get?
The sum you can borrow depends on the type of mortgage you are applying for, if its a single or joint application and how much you earn taking your living expenses into account.
Unbiased Advice
- Single point of contact
- Qualified mortgage brokers
- Simplier application process
Best Interest Rates
- Fixed or variable rate terms
- Up to 90% finance available
- Rates as low as 2.3%
Flexible Repayment Terms
- Interest only options
- Cashback offers
- Overpayment options
How does the application process work?
So your committed and want to apply for a mortgage. There are a number of stages that you must complete before you submit your application which we will guide you on.
Mortgage Suitability
Request a callback or book an appointment with our mortgage brokers.
- Access how much you can borrow and if your repayments are affordable
- Outline the application process and the timelines involved
- Explain the legal requirements and what you will need a solicitor for
Documents & Application
Gather all the required documents so we can review & submit your application.
- You need your P60 and your 3 most recent months payslips
- Salary certificate that has been signed & stamped by your employer
- Bank statements for the last 6 months
Mortgage Approval
On approval you can now make an offer on a property and do the following:
- Obtain a value on your new home from an IAVI registered valuer
- Sign all legal paperwork in the presence of your solicitor
- We will help you arrange Home and Life insurance, its a legal requirement.
Drawdown & Legal
Your offer was accepted so you can now purchase your new home
- Get solicitor to do final signoff on all documents
- Your solicitor will engage with your estate agent to draw down the funds
- Estate agents gives you your keys and your new home is officially yours
