Is now the right time to buy?

The questions we are being asked every day are,

• Are the banks really lending again? What is the impact of new Central Bank regulations

• What do I need to do to get a loan and how much can I borrow?

• Am I paying too much for my existing mortgage?

• Is moving home an option for me at the minute?

Buying a house is a significant financial decision and a potential applicant must be well prepared before applying for a mortgage as there could be hurdles to overcome along the way.

Starting this journey is a big step, and First Rate Financial Planning is here to make this as simple and straightforward as possible.

Who Can We Help?

First Rate Financial Planning has extensive experience in helping individuals and families when seeking a mortgage.

• First time buyers

• Holiday Home

• Moving home

• Investment property

• Switching for a better rate

And much more

What We Offer

We have vast experience in the mortgage market and understand how each of the banks are operating today. We are clear about their assessment criteria in terms of approving mortgages and how you can give yourself the best chance of getting loan approval. We will do the legwork for you. We will also help you to take a cold, hard look at your financial situation to ensure that you can meet the repayments within your current financial capability and likely future situation.

But it’s not just about getting loan approval, it’s also about getting the best mortgage package for you. Through our relationships with lenders, we can help you to identify the right lender and mortgage package for you and help you with the application process. We then help you to secure the mortgage approval to enable you to purchase your new home.

We also help our clients to ensure their mortgages will be automatically repaid in the event of death, providing financial security and peace of mind to their families.

Our Commitment To You

Being independent of any financial institution is essential, as it means we can offer unbiased sound advice on what will probably be one of the biggest financial decisions you will undertake in your lifetime.

If you would like to find out more about how we can help you arrange a mortgage, get a better rate on your existing mortgage or indeed switch your mortgage to a different lender, please give us a call.

Mortgage Calculator

Want to find out your monthly mortgage repayments?

The mortgage calculator will give you a sense of your monthly repayment amount, your total repayments and a schedule of how much you will owe throughout the term of your mortgage