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    Archived pages: 512 . Archive date: 2012-07.

  • Title: Mortgage Advice: Which type of mortgage is best for me?
    Descriptive info: Which type of mortgage is best for me?.. Trying to find the best mortgage can seem daunting at first, with the hundreds of different mortgage packages available in Ireland.. Most mortgage lenders offer similar mortgages.. Here's a selection of the popular mortgage types:.. Fixed Rate Mortgage.. Variable Rate Mortgage.. Discount Rate Mortgage.. Tracker Rate Mortgage.. (no longer available).. Once you find the type of mortgage you want, the next step is to find the best mortgage lender.. You can do this yourself, but you may find it easier to to get  ...   fees - work out ALL your costs.. Buying a Home - Step by Step.. Mortgage Application Process.. Rates Costs.. Do I Need a deposit?.. How Much Can I Borrow?.. Would I Be Approved?.. Approval in Principle - Why it's so Important.. Get a Mortgage Quote NOW.. Quotes from Chrome Capital.. Low Cost Legal Fees.. For Home Buyers or Sellers.. 799 + vat + outlay.. Mortgage Quote.. Property Surveys.. Snag Lists.. BER Energy Ratings.. Property Guides.. Property News.. Home Buyers Guide 2009.. HOME BUYER WEBSITES:.. 2009.. Pay Per Click.. by.. PPC Ireland..

    Original link path: /mortgages/mortgage_advice.asp
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  • Title: How Much Can I Borrow? What size mortgage will I qualify for?
    Descriptive info: How Much Can I Borrow?.. Please Note:.. The credit crunch has changed the mortgage market considerably.. Lending criteria varies from one lender to the next.. As a result, we recommend you speak to a mortgage consultant to discuss your personal circumstances.. But First, Please Read This Important Note:.. There are lots of variables involved in calculating your approval amount (such as outgoings, loan commitments, age, breakdown of your income into basic, overtime, bonuses etc), so  ...   examples of things that can significantly effect what you can borrow:.. A 400 per month car loan can reduce what you can borrow by over 65,000.. Some lenders will only take 10 - 20% of overtime, bonus or commission into account when working out what you can borrow (other lenders may not consider bonus or commission at all), so if they make up part of your income, it's vital to speak to a mortgage professional..

    Original link path: /mortgages/borrow.asp
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  • Title: Mortgage Approval: Would I Be Approved For A Mortgage?
    Descriptive info: Would I Be Approved for a Mortgage?.. The easiest way to know for sure is to get 'Approval in Principle'.. This will remove the guess work and doubts, and will mean that you can look for a home knowing that the finance is not a concern.. Here's the general requirements that the lenders consider:.. Age.. :.. The minimum age is 18 years and the maximum is usually 65 or 70, depending on the lender.. Credit History:.. The lenders review your credit report with the Irish Credit Bureau, which will show them how well you've paid your loans in the past.. If you have missed payments on your  ...   for your current company for a minimum of 6 - 12months (although some lenders may require you to be in your current job for longer than that).. Self Employed:.. If you are self employed, the very minimum that most lenders will require is that you have been self employed for 12 months.. Very often, they are looking for you to have 2 - 3 years under your belt.. Affordability.. What size mortage you qualify for will depend on your disposible income - which mean what you are left over out of your pay each month after tax and other commitments such as loan repayments (and maintence if applicable)..

    Original link path: /mortgages/mortgage_approval.asp
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  • Title: Mortgage Approval in Principle
    Descriptive info: Why it's vital to get mortgage approval in principle before you start house hunting.. You'll get a rough indication of what you can borrow on most property and mortgage websites.. However, the 'credit crunch' has tightened up lending criteria, so it's become very difficult to give a 'general' view, without your specific circumstances taken into account.. Because there are.. lots of different things.. the lenders take into account that can.. drastically effect what you can borrow.. , such as your age, your loan commitments, credit history, type of job, savings patterns and even how many kids you have, getting an accurate figure from any website is next to impossible.. Add to that the.. wide  ...   Getting Approval in Principle simply means getting mortgage approval in place prior to finding the specific property which you're going to buy.. 5 Reasons to Get Approval in Principle.. It removes the guess work and doubts about what you can and can't afford.. You can easily identify homes within your price range.. You won't find the 'perfect home' and then discover you can't get finance for it.. You'll be able to move fast when the right property comes up.. Pre Approval effectively makes you a 'cash buyer'.. When you place an offer on a property the seller doesn't have to worry about whether you'll get mortgage approval, as you'll already have it in place..

    Original link path: /mortgages/mortgage_approval_in_principle.asp
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  • Title: Mortgage tips for Irish home buyers
    Descriptive info: Tips on.. getting a mortgage.. Each bank and building society has different criteria to calculate how much you can borrow.. So if one bank doesn't offer you a big enough mortgage, don't panic.. Another lender could come up trumps.. A mortgage broker can often negotiate a better deal in less time for you, because they know how the system works.. It is really important to get approval in principle before you do anything else.. Not only does it remove the guess work and establish a price range for you, it also effectively makes you a 'cash buyer' which could be the difference between having your offer on a property accepted or rejected.. Fixed rates make budgeting easier because your repayment isn't effected by interest rate changes, during the fixed rate period.. The down side is that fixed rates don't offer  ...   be charged a penalty if you pay off the mortgage during the fixed rate period.. If you choose a fixed rate, find out what happens at the end of the fixed rate period.. It's still important to ask your lender if you are liable for any fees.. In particular, ask if you will be charged an indemnity bond fee and if so, how much will it cost?.. Find out what flexible options, such as payment holidays, are on offer.. If you are on a tight budget you could consider either an interest only mortgage or a deffered start mortgage, to keep your payments low at the start of the mortgage (when you have to pay for new furniture, legal fees etc).. (Interest only mortgages deffered start mortgages may be difficult to arrange in current market conditions).. Ot.. her Popular Articles:..

    Original link path: /mortgages/tips.asp
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  • Title: 100% mortgages in Ireland
    Descriptive info: 100% Mortgages.. 100 per cent mortgages have been withdrawn from the Irish Mortgage market due to the worldwide credit crunch.. Therefore, most.. first time home buyers.. or people trading up will qualify for a maximum of 90% - 92%.. Some lenders require bigger deposits, so speak to a mortgage consultant to discuss your requirements.. All Mortgage articles (A - Z)..

    Original link path: /mortgages/100_per_cent_mortgages.asp
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  • Title: Bad Credit Mortgage | Bad Credit Mortgages
    Descriptive info: Bad Credit Mortgage.. Due to restrictions in mortgage lending, we are currently not in a position to offer mortgages to applicatants with an inpared credit history.. If this position changes, we will update our website to reflect this.. Related Artilces / Links:.. How to Check Your Credit Rating.. All Mortgage articles (A - Z)..

    Original link path: /mortgages/bad_credit_mortgage.asp
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  • Title: Buy to Let Mortgage | Buy to Let Mortgages
    Descriptive info: Buy to let Mortgage.. If you are buying a property to let, you need a specific buy to let mortgage.. Buy to Let Mortgage Basics:.. Generally, you can borrow a maximum of 75% of the purchase price.. Rates for buy to let mortgages tend to be higher than owner occupier mortgages.. Interest only mortgages have proved popular with lots of buy to let investors over recent years.. However, these are more difficult to secure than in the past.. When you sell the property, you will be liable for Capital Gains Tax (CGT) on the increase in the property value, which is currently charged at 20%.. Buy to Let Mortgage Criteria:.. Most lenders calculate what you can borrow based on rental income vs.. your mortgage payment (this is stressed to allow for rate changes, periods when the property is vacant etc) and they will also take your own personal income into account too.. People with a portfolio of properties (whose rent  ...   duty costs, legal fees outlays.. A valuation will be required which usually costs 130 - 150.. If you plan to borrow 100%, by using your existing home as security, you ll have to get a valuation on your home too.. A couple of tips:.. Speak to a local estate agent or letting agent about the type of properties that are most likely to let in the area and the levels of rent you could hope to achieve.. You ll also get a good indication by searching for properties for let on Daft.. ie.. You should make sure you have funds to cover the mortgage when the property is empty.. Keep accounts from the very start and record all expenses you incur in relation to the property.. This will help reduce your tax liability.. Owning properties to let is like owning a business and it should be treated as such.. Like all businesses, it s important to look at your costs regularly..

    Original link path: /mortgages/buy_to_let_mortgage.asp
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  • Title: Mortgage Calculator | Online Mortgage Calculator | Irish Mortgage Calculators
    Descriptive info: IRISH Mortgage Calculator.. Use this mortgage calculator to generate an amortization schedule for your current mortgage.. Quickly see how much interest you will pay, and your principal balances.. Press the "View Report" button for a full yearly or monthly amortization schedule.. Arrange mortgage approval in Ireland:.. Online Mortgage Application.. Mortgage Loan Calculator Results.. Your payment is MONTHLY_GRAND_TOTAL for TERM years with a rate of INTEREST_RATE.. Mortgage Summary.. Loan amount.. LOAN_AMOUNT.. Term.. TERM years.. Interest rate.. INTEREST_RATE.. Annual home insurance.. YEARLY_HOME_INSURANCE.. Annual property taxes.. YEARLY_PROPERTY_TAXES.. Monthly payment.. MONTHLY_PI.. Monthly payment (PITI)*.. MONTHLY_PITI.. Total principal and interest payments.. TOTAL_OF_PAYMENTS.. Total interest.. INTEREST_PAID.. *Principal, Interest, Taxes, Insurance.. Prepayment Results.. Principal prepayments on your mortgage can save you a great deal of interest.. They can also shorten the time it takes to pay off your mortgage, in many cases, by several years.. PREPAY_MESSAGE.. Prepayment Summary.. Amount.. PREPAY_AMOUNT PREPAY_TYPE.. Start with payment.. PREPAY_STARTS_WITH.. Total payments.. PREPAY_TOTAL_OF_PAYMENTS.. PREPAY_INTEREST_PAID.. Interest savings.. PREPAY_INTEREST_SAVINGS.. Payment schedule.. **REPEATING GROUP**.. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances.. All examples are hypothetical and are for illustrative purposes.. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.. ">.. This Financial Calculator requires a Browser with Java(TM) applet Support.. If  ...   tax included in PITI.. The annual amount you expect to pay in home owners insurance.. This amount is divided by 12 to determine the monthly home owners insurance included in PITI.. Total of all monthly payments over the full term of the mortgage.. This total payment amount assumes that there are no prepayments of principal.. Total of all interest paid over the full term of the mortgage.. This total interest amount assumes that there are no prepayments of principal.. Prepayment type.. The frequency of prepayment.. The options are: none, monthly, yearly, and one-time payment.. Prepayment amount.. Amount that will be prepaid on your mortgage.. This amount will be applied to the mortgage principal balance, based on the prepayment type.. This is the payment number that your prepayments will begin with.. For a one time payment, this is the payment number that the single prepayment will be included in.. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation.. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assumed to happen before the first payment of the loan.. Savings.. Total amount of interest you will save by prepaying your mortgage.. Download a Sample Chapter (free).. or instantly download the full 100+ page guide for 17.. Quotes from Mortgages Direct.. House Surveys, Snags, BER.. Find a surveyor at surveyors..

    Original link path: /calc/calculator.asp
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  • Title: Credit Rating | Credit Report | Credit Check Company
    Descriptive info: What is Your Credit Rating and How Can You Check it?.. Have you any idea what your credit rating is? Did you know that every time you deal with a financial institution, the lender may update your credit rating report?.. When you apply for a loan, mortgage or credit card, the lenders generally view your credit report to help them decide whether to offer you finance.. Most lenders want to look at your credit rating, as it gives them a good idea how likely you are to pay back the money you borrow.. This a summary of what shows up on your credit report:.. History of Enquiries in the last 12 months.. (this typically highlights which lenders you've applied to for loans, credit cards etc).. Account  ...   pay off any loan.. Any legal action taken against you.. The credit report reflects your credit history, good and the bad.. Information is kept on your credit report for 5 years after the loan is CLOSED.. You can see a sample report by.. clicking here.. Click here to see which lenders are.. members of the ICB.. How Can You Check Your Credit Rating?.. The Irish Credit Bureau is the credit rating company who holds your credit record.. They charge.. 6 per report.. They will post you a copy of the report, which you'll usually get within about a week of them receiving your form and payment.. You can.. download a form.. or.. apply online.. or phone them on 01 260 0388 and they'll send you a form..

    Original link path: /mortgages/credit_rating.asp
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  • Title: Debt Consolidation Mortgage
    Descriptive info: Debt Consolidation Mortgage.. What is Debt Consolidation How does it work?.. Debt consolidation is the process of replacing multiple debts, including your loans, credit card balances and mortgage, with one easy to manage payment.. It's a pretty simple process.. Simply add your mortgage balance to what you owe on your credit cards and your loans and then add any additional cashback you require.. You'd sign an application form and return it with a few documents like payslips and your P60.. The whole process can be completed within 3 - 4 Weeks.. All your loans will be paid off for you, and you'll get a cheque with the cashback you requested.. PROS of Debt Consolidation:.. You'd have more  ...   raise extra cash back for almost any reason.. CONS of Debt Consolidation:.. If you consolidate all your loans over the full mortgage term, you would pay more in interest overall.. However, you could opt for a 'split mortgage' and pay off your short term debts over a shorter period than the rest of the mortgage to avoid this.. Debt Consolidation is a quick process:.. We'll provisionally.. approve your application within 24 - 72 hours.. You can get your.. cheque within 3 - 4.. weeks.. of submitting a signed application.. So what s the next step?.. To find out how much more disposable income you d have every month though debt consolidation, fill in this.. enquiry request form..

    Original link path: /mortgages/debt_consolidation.asp
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    Archived pages: 512