For further information please contact Fitzsimons Finance on (045) 438 438 or email info@fitzsimonsfinance.ie

First Time Buyers can now borrow up to 92% of the value of their new home.  This is based on your ability to repay the loan, both now and in the future. The amount is calculated on your income after tax and also takes into consideration any other financial commitments you might have e.g personal loans, car loans etc.
 
What types of mortgages can I choose from?
Repayment Mortgage
Interest Only Mortgage
Variable interest rate
Fixed interest rate
See our A-Z of mortgage terminology (mortgage terms explained) on mortgage page
 
Costs and Insurance
Wondering about all the costs involved in purchasing a property? You’ll need to allow for the following:
 
Your solicitor’s fee
Solicitor’s fees are usually 1% of the total price and VAT at 21%. If you shop around, you may get better value.
 
Property valuation
To assess the value of the property you intend buying, a registered valuer must complete a valuation report. This will be needed before your mortgage can be finally approved. This is not a full structural survey, which we recommend you have done before you sign contracts, especially for older properties.
 
Insurance
We can offer you a number of insurance products to protect you and your home once you own your own home.