Find out how much you could save
Why choose IPF for your mortgage?
At IPF, we work for you, not for any one institution.
|
|
|
FAQs
I’ve heard of the Government’s Help to Buy Incentive. Where can I find out more?
The help to buy incentive is only available to first time buyers purchasing a newly built home. You must purchase or self-build the property to live in as your home. The maximum payment is €30,000. This cap applies regardless of how many people enter a contract to purchase the qualifying property. To find out more information on this scheme visit www.revenue.ie
What is a mortgage?
A mortgage is a long term loan that is used to finance the purchase of a property, and the property you purchase acts as security for the loan.
What is the minimum i can borrow?
The minimum loan amount you can borrow for a mortgage is €40,000.
What is a fixed rate mortgage?
A fixed rate mortgage means that your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.
Although a fixed rate means your repayments cannot increase for a set period of time, your repayments will not fall during the fixed rate period. As a result, you could miss out on lower interest rates and lower repayments.
Although a fixed rate means your repayments cannot increase for a set period of time, your repayments will not fall during the fixed rate period. As a result, you could miss out on lower interest rates and lower repayments.
how do i get started?
To get started you can contact us directly on the information provided.
Call our Mortgage Advisor on: 087 922 9627
Email our Mortgage Advisor directly at: ross@ipf.ie
Call our Mortgage Advisor on: 087 922 9627
Email our Mortgage Advisor directly at: ross@ipf.ie
What is a mortgage broker?
It is a mortgage broker’s job to make your home buying journey as stress-free as possible. We have access to a wide range of lenders and will help you choose the best deal for your situation. We will liaise directly with the lender on your behalf and be with you every step of the way until you get the keys to your new home.
Warning: If you do not keep up your repayments you may lose your home.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
Warning: The cost of your monthly repayments may increase.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
Warning: The cost of your monthly repayments may increase.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.