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Category: Mortgages

Applying for a Mortgage? Start preparing now!

There seems to be a lot of mixed messages when it comes to applying for a Mortgage. Some friends or family you speak to will tell you it was straight forward and others will tell you it was a nightmare! So why is there such a difference in experiences? Not being prepared There is a […]

2024 Budget Update: New Mortgage Interest Tax Relief for Homeowners

Exciting news for homeowners in the 2024 Budget! The Irish government has introduced a significant mortgage interest tax relief initiative, designed to alleviate some of the financial burdens caused by recent interest rate hikes from the European Central Bank. Here’s what you need to understand about this crucial development: Eligibility Criteria Mortgage Balance Range: If […]

Navigating the Switch from a Subprime Mortgage: Your Path to Savings

Are you currently tied to a subprime mortgage and facing higher interest rates? It might be time to consider switching mortgage providers for potentially significant savings. Here’s what you need to know about transitioning from a subprime mortgage to a more favourable option. Eligibility for Switching Switching to a lower-rate mortgage could be within your […]

Maximising Your Mortgage Journey: The Advantages of Consulting a Financial Broker

Navigating the complexities of securing a mortgage, be it for purchasing a new home or refinancing an existing one, can be a daunting task. This is where the expertise of a Financial Broker becomes invaluable. Here’s how a consultation with a broker like Ezfees Financial can transform your mortgage experience: 1. Tailored Loan Advice Our […]

Demystifying the Mortgage Valuation Process: Importance and Key Insights

In the realm of property financing, the mortgage valuation process plays a crucial role that affects both lenders and borrowers. Whether you’re a homebuyer, looking to switch lenders, or considering re-mortgaging for renovations, a property valuation is an integral part of the mortgage application procedure. In this blog post, we will delve into the significance […]

Demystifying First-Time Buyers: Eligibility and Incentives

In the realm of mortgage applications, the term “First Time Buyer” holds a distinct significance. Understanding who qualifies as a First Time Buyer is essential for those venturing into the property market. In this blog post, we will explore the definition of a First Time Buyer, the criteria for eligibility, and the various incentives available […]

Surging Mortgage Approvals: A Positive Outlook for First-Time Buyers

In May 2023, the Irish property market witnessed a remarkable upswing in mortgage approvals, particularly for First-Time Buyers. Both in terms of volume and value, mortgage approvals reached an all-time high, with a total of 4,928 mortgages approved. Notably, First-Time Buyers accounted for a substantial 64% of the approved mortgages. This surge in approvals can […]

The Tenant Purchase Scheme: Path to Owning Your Own Home

Qualifications for the Tenant Purchase Scheme To qualify for the Tenant Purchase Scheme, you must meet the following criteria: How Does the Tenant Purchase Scheme Work? The Tenant Purchase Scheme involves several steps: Properties Excluded from the Tenant Purchase Scheme The Tenant Purchase Scheme excludes certain properties, including those designed for the elderly, apartments/duplexes (separate […]

Self-Employed and Looking for a Mortgage in Ireland? We Can Help!

Securing a mortgage can be a daunting task, and if you’re self-employed, you might feel like you’refacing an uphill battle. The truth is, obtaining a mortgage as a self-employed individual is not asimpossible as it may seem. At Ezfees Financial we’re here to guide you through the process, ensuringyou have all the information and support […]

Understanding the Hidden Costs of Buying a Home in Ireland

When buying a home, there are several costs to consider in addition to the purchase price. It’s crucial to factor in all of these costs when determining your budget for purchasing your home. Additionally, you may want to consider ongoing maintenance and repair costs, as well as any potential renovations or upgrades you may want […]

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