Long term fixed rates from 3.95% for up to 30 years look like good value…
With the lowest rate in the market being 3.65% for a 4 year fixed green mortgage, it certainly seems like long term fixed rates starting at 3.95% represent good value
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With nearly 40 years of experience in the Irish mortgage market, we provide the service, advice, and direction you need to secure your future. Whether you’re a first-time buyer, an expat looking to invest in Irish property, or simply seeking a better deal on your current mortgage, Derek offers expert advice and personalized service. He can guide you through the complexities of various mortgage types, including discounted variable rate mortgages, buy-to-let mortgages, and self-build mortgages. Contact Derek Walsh today for a free consultation and let him help you achieve your homeownership dreams.
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Our mortgage calculator helps you estimate what you can borrow for a house in Ireland and what your monthly mortgage repayments might be. See how your earnings impact your borrowing power and calculate potential interest paid over your mortgage term.
The calculator allows you to compare different mortgage rates and terms to find the best fit for your financial situation. Understanding these factors can help you make informed decisions about your home purchase.
What can a mortgage broker do for me?
A mortgage broker can save you time, money, and stress throughout your homebuying journey. They offer personalized advice, compare rates from various lenders, and handle the often-complex paperwork, ensuring you secure the best possible mortgage terms for your unique financial situation.
Mortgage comparison
Don’t settle for just any mortgage! Compare rates, terms, and features from a variety of lenders in Ireland to find the perfect mortgage for your needs. Whether you’re looking for the security of a fixed interest rate or the flexibility of a variable rate, we can help you find the best option. Plus, explore additional features like cashback offers or payment holidays to suit your individual circumstances.
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Don’t settle for just any mortgage! Working with a mortgage broker, like Derek Walsh, can provide you with access to a wider range of mortgage products and lenders in Ireland. They can help secure the best possible interest rates and guide you through the process of finding a mortgage that perfectly suits your need
Impartial financial advisor
An impartial financial advisor can be a valuable asset when navigating the Irish mortgage market. They offer unbiased advice, comparing rates and terms from various lenders to find the best mortgage for your individual needs and circumstances. Their expertise and knowledge can save you time, money, and stress throughout the homebuying process.
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Home Loan Advice And Guides
Seeking expert guidance on your home loan journey? Mortgage advisors in Ireland provide expert advice and compare rates from various lenders, helping you secure the best mortgage deal. They can be especially helpful for first-time buyers or those with complex financial situations. While some advisors charge fees, many are compensated through lender commissions, offering their services at no cost to you.
Mortgage comparison
Fixed rate mortgages
A fixed rate mortgage offers stability and peace of mind by locking in your interest rate for a set period. This means your monthly repayments remain the same, regardless of market fluctuations.
This type of mortgage is ideal if you prefer predictable payments and want protection from potential interest rate increases.
Variable rate mortgages
Variable rate mortgages have interest rates that can change over time, depending on market conditions. While this means your repayments may increase or decrease, it also offers greater flexibility.
This option may suit borrowers who are comfortable with some level of risk and want the opportunity to benefit from falling interest rates.
Discounted variable rate mortgages
Discounted variable rate mortgages offer a reduced interest rate for an initial period, making them an attractive option for borrowers looking to save money in the early years.
However, once the discount period ends, the rate typically reverts to the lender’s standard variable rate, so it’s important to plan ahead.
Mortgage overpayment
Making extra payments on your mortgage can significantly reduce the total interest paid and help you pay off your loan faster.
Many lenders in Ireland allow overpayments, either regularly or as lump sums, but conditions may vary. It’s important to check if there are any restrictions or fees before making additional payments.
Fees on property sale transactions
Arrangement fee
An arrangement fee is charged by the lender for setting up your mortgage. This fee can vary depending on the lender and mortgage product, and it may either be paid upfront or added to your loan amount.
Estate agent fees
Estate agents typically charge a percentage of the property’s sale price for their services. These fees cover marketing, property viewings, and negotiation support.
Solicitors fees
A solicitor handles the legal aspects of buying or selling a property, including contracts, title checks, and property transfer. Fees can vary depending on the complexity of the transaction.
Structural survey fee
A structural survey ensures the property is in good condition and helps identify any potential issues before purchase. This is especially important for older properties or self-build projects.
Stamp duty
Stamp duty is a government tax paid when purchasing property in Ireland. The amount depends on the property value and is a key cost to consider when budgeting.
Local property tax
Local Property Tax is an annual tax based on the market value of your property. It is payable by all homeowners in Ireland and should be factored into your ongoing costs.
Irish Mortgage News
Life insurance for couples renting and house hunting – €500k cover from €50 per month…
For most people under 40 in good health, life insurance is surprisingly good value. There are many reasons why renters and house hunters should protect themselves against the unexpected! Whether
Our Mortgage Protection Insurance Discounts can result in dramatic savings.
In the example below based on a couple, age 50 and 52, we can save them a total of €11,439.36 over the term of their policy. By reviewing their existing