Mortgages

Home Movers

Home Movers / Second Time Buyers

Under amended Central Bank rules, home movers and second time buyers can only now borrow 90% of the purchase price (previously 80%).

Contact us for more details.

In addition if you own a property and it is in negative equity and you sell this property you may be able to borrow 90% of the purchase price of the new property and carry over the negative equity.

Look at the Example Below:

Your current property is worth €400,000 and you owe €450,000. (€50,000 negative equity) . You wish to purchase a new property for €500,000.

You sell your current property.

You get a mortgage of €500,000 for your new home 90% of purchase price and carry over the €50,000 to cover the loss on the sale of your old property so your new combined mortgage is €550,000.

Why use North Dublin Mortgages?

  • At North Dublin Mortgages, we offer free advice.
  • We charge no fees to our client if mortgage is fully drawn down.
  • At North Dublin Mortgages, we are very accessible to communicate online, by telephone or in the comfort of your own surroundings.
  • At North Dublin Mortgages, You pay the same interest rate as you do if you approach the each bank directly.
  • We take the leg work and stress out of applying for a mortgage.

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We have access to the following Banks for Home Movers, as disclosed below:

  • Permanent TSB. (Direct Agency Held)
  • Haven Mortgages (Broker arm of A.I.B. and E.B.S.) (Through our appointment with Brokers Ireland Mortgage Services)
  • Dilosk Bank (Direct Agency Held)
  • BNP Paribas Bank (Through our appointment with Brokers Ireland Mortgage Services)
  • Finance Ireland. (Through our appointment with Brokers Ireland Mortgage Services)

By applying with North Dublin Mortgages, you have access to all of the above providers.

One application form, one meeting and you are guaranteed the best rates on the market from this panel of lenders we are authorised to advise on, directly, through referral to Dublin Mortgage Company or through the firm’s appointment with Brokers Ireland Mortgage Services. This is subject to you being eligible for the loan and satisfying the lenders full underwriting terms and conditions.

We call to meet you at a time that suits. We do evening / weekend appointments and you have the mobile number of the consultant dealing with you so you will not be dealing with a switch board.

Warning: If you do not keep up your repayments you may lose your home.

Warning: The cost of your monthly repayments may increase.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

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