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

  • Title: Start Mortgages | Bad Credit Mortgages | Self Cert Mortgages | Mortgage Self Certification | Remortgages
    Descriptive info: Irish Mortgage Lender Profiles - Start Mortgages.. Start Mortgages - Lender Profile.. Start Mortgages entered the Irish market in 2004, and are one remaining lender in the 'specialist' mortgage market.. Apply for approval.. Rates Fees:.. Their rates are not as attractive as the 'Main Street' lenders, because people who take mortgages through Start tend to have a higher risk profile, and most of the traditional lenders would not approve them for loans.. Start Mortgages charge an arrangement fee of 0.. 5% of the mortgage amount, up to a maximum of 1800.. This fee is taken out of the mortgage advance upon completion - you do NOT need this  ...   you will be better off with the traditional lenders.. O.. ther Popular Articles:.. Buying a Home - Step by Step.. Mortgage Application Process.. Rates Costs.. Do I Need a deposit?.. Which type of mortgage is best for me?.. How Much Can I Borrow?.. Would I Be Approved?.. Approval in Principle - Why it's so Important.. Mortage Lender Profiles.. 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/start_mortgages.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Home Buyers Guide - Contents.. 0.. Introduction.. 1.. 10 Steps to Buying Your First Home.. Arrange Mortgage Approval in Principle.. Search for a property.. Make an offer / pay a booking deposit.. Hire a solicitor.. Mortgage Valuation.. Letter of offer.. Arrange a surveyors report.. Sign contracts.. Pre completion requirements.. Complete the purchase get your keys.. 2.. Buying a home during the credit crunch.. Positives.. Lower Interest Rates.. Drop in Property Prices.. Increase in Mortgage Interest Relief.. Better than renting?.. Negatives.. Bigger Deposits.. Getting mortgage approval has become more difficult.. Steps to take straight away.. Protect your credit rating.. Manage your current account properly.. Do not extend your borrowings.. Save a deposit.. 3.. Money, Money, Money.. Upfront Costs:.. Deposit.. Stamp Duty.. Legal Fees.. Legal Outlays.. Valuation Fees.. Snag List.. Mortgage Fees.. Furnishing Decorating.. Ongoing Costs.. 4.. Choosing the Right property.. Make a wish list.. Decide if you d prefer a house or an apartment.. Decide if you d prefer a new or second hand property.. What to look for when viewing properties.. View lots and lots of properties.. Dealing with estate agents.. Find out as much information as possible.. Give away as little information as possible.. Give them a time limit.. Don t be pressured into a quick decision..  ...   to pick the best mortgage.. What are your plans over the coming years?.. Are there any flexible options you want in your mortgage?.. What types of interest rates are available?.. What type of interest rates should I choose?.. Consider Fees.. Choose the right mortgage term.. Picking a lender.. Things to do to help you get a mortgage.. Things to avoid when you are looking for a mortgage.. Get approval in principle so you are a cash buyer.. 7.. Help I can t afford to buy What are my options?.. Speak to a mortgage broker.. Rent a room scheme.. Specialist Lenders.. Guarantor.. Buying with a friend or family member.. Affordable Housing Scheme.. Home Choice Loan Scheme.. Commute.. 8.. Insurance.. Mortgage Protection (Life Insurance).. House Insurance (structural cover).. Serious Illness Cover.. Contents Insurance.. Mortgage Payment Protection Insurance.. 9.. Tax Tax Relief.. First Time Buyers.. Governments Rent a Room Scheme.. Mortgage Interest Relief.. Owner Occupiers.. Property Investors.. 10.. Moving house.. Packing.. Who to inform.. Who to inform checklist.. Moving Countdown checklist.. Moving Materials.. Last on, First Off Box of Essentials.. 11.. Jargon Buster.. 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.. ie..

    Original link path: /guides/first-time-buyers-guide-contents.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Home Buyers Guide - Introduction.. Hopefully this guide will help you in 4 main ways.. Get Informed:.. We ll outline the home buying process for you, explain all the confusing jargon, and educate you on what you need to do and when you need to do it.. Reduce Stress:.. They say that buying a house can be one of the most stressful things you ll ever do.. It is.. In fact, statistically it s up there with having a baby and getting a divorce.. But a lot of that stress can be minimized if you know what s required,  ...   Buying a home is expensive.. really expensive.. And I don t even mean the cost of the actual bricks and mortar.. I.. mean all the other expenses:.. Deposits.. Searches.. Land Registry fees.. House surveys.. Valuation fees.. Mortgage Indemnity Bond.. fees.. Mortgage Repayments.. The list goes on.. We ll outline all the costs you ll incur (including the hidden ones you don t even know about yet) and we ll show you how you can save thousands of euros with a little shopping around.. Previous Page.. Next Page.. Home Buyers Guide Contents Page.. Search the Home Buyers Guide using Google:..

    Original link path: /guides/first-time-buyers-guide-8.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Click here to go back to the Home Buyers Guide Contents Page..

    Original link path: /guides/search-results.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Improve your chances of getting a mortgage.. The credit crunch has made it more difficult to get finance to buy a home.. We ll outline the steps you need to take to improve your chances of getting mortgage approval.. Before we get started, I d suggest you print a copy of this guide right now.. Sit down for half an hour with a tea or coffee and have a quick read through it.. You ll get an overview of what.. involved and where to start.. Then over the coming months you can  ...   haven t done so already, I d recommend that you put together a folder for all the paperwork, brochures and documents which you ll amass over the next few months (and keep a copy of this guide in the folder).. The Moving.. ie Home Buyers Guide 2009 was written by Declan Clare.. Declan has worked in the property field for more than 10 years.. He established one of Ireland s first property related websites, Moving.. ie, in 2000 to help First Time Home Buyers get on the property ladder.. Copyright 2009 Moving..

    Original link path: /guides/first-time-buyers-guide-9.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 1: The 10 Steps to Buying Your First Home:.. The factors that can effect what you d be able to borrow include:.. Age.. Existing loans.. Disposable income.. Credit history.. Occupation.. Employer.. Industry.. Employment contract status.. Savings patterns.. The deposit you have (and how you raised it).. How many kids you have.. The mortgage term (i.. e.. how many years you ll take the mortgage over).. What type of interest rate you choose.. TIP: There s a wide range of lenders in Ireland and each lender uses different criteria, or rules, to work out how much you  ...   If you want to find out your maximum approval amount, speak to a broker who deals with 10 or more lenders.. Warning: Do NOT rely on approval calculators on mortgage or property websites:.. You'll get a rough indication of what you can borrow on most property and mortgage websites, but you have to take these figures with a pinch of salt.. The problem is that there are lots of different factors which mortgage lenders take into account when they calculate how much you can borrow, so getting an accurate figure from any website is next to impossible..

    Original link path: /guides/first-time-buyers-guide-13.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: IIn addition to this, one of the results of the worldwide credit crunch is that the banks and building societies are reviewing and changing their criteria on a constant basis, so the figures you ll find on websites tend to become out of date very quickly.. How can I arrange mortgage approval in principle?.. Speak to a mortgage broker (or a selection of banks) or make an online enquiry.. They should be able to give you a good indication of what you can borrow, based on the information you give them.. over the phone or information you submit online.. They ll send you an application form and a  ...   loan statements (showing a list of payments over the previous 12 months),.. an original utility bill, passport or driving license, pay slips, an employment cert from your employer and a P60.. You ll get approval in principle , subject to finding a suitable property.. To arrange mortgage approval, call independent mortgage advisers Mortgages Direct on 1890 44 66 44 or fill in.. an.. online enquiry.. When you successfully bid on a property, the mortgage advisor will arrange a mortgage valuation of the property and your 'letter of offer' with the property details etc is issued.. Now that you know how much you can borrow, you can start house hunting..

    Original link path: /guides/first-time-buyers-guide-14.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Step 2: Find a property.. cont.. For Sale By Owner Websites:.. PrivateSeller.. SellItYourself.. YouBuyFromMe.. 4salebyowner.. Most people don t even think about checking the for sale by owner sites when looking for a home, but they can be a great source of bargains.. Property Supplements in the National Newspapers:.. Irish Examiner (Saturdays).. Irish Times (Thursdays).. Irish Independent (Fridays).. Also consider the Sunday  ...   target area and look out for estate agent for sale signs.. Estate Agent Branches: Visit the local agents and let them know what you re looking for.. Even if they have.. nothing suitable on their books now, join their email list to get updates when they get new properties on their.. books.. Contents Page.. Download the Full 127 Page Home Buyers Guide..

    Original link path: /guides/first-time-buyers-guide-16.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: 3: Make an offer on a property / pay booking deposit.. Find out what the standard fit out includes for example, what s included with the kitchen / is there a decoration allowance etc.. If your bid is accepted, you will have to pay a 'booking deposit' straight away (which is usually a couple of thousand euros).. You are then given 3 - 4 weeks, to get your mortgage documents issued and complete  ...   new home (as long as it s covered by Home Bond or Premier.. Guarantee) but you should get a snag list done when the property is completed (before you complete the deal).. Arrange a snag list (you can find a local surveyor to do a snag list for you on surveyors.. ie).. If for whatever reason, you can't get mortgage approval, and you don't proceed with the purchase, this booking.. deposit is usually refundable..

    Original link path: /guides/first-time-buyers-guide-18.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Step 4: Hire a Solicitor.. Regardless of which solicitor you use, you will also have to pay legal outlays in addition to your legal fees.. These are the legal costs associated with buying or selling a property such as land registry fees, search fees etc.. You can calculate your legal outlays on the Moving.. ie website by using the links below:.. Calculate your home buyers legal outlays.. Selling your home calculate legal outlays..

    Original link path: /guides/first-time-buyers-guide-20.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 4: Choosing the Right Property.. Oversupply of Apartments.. Property developers prefer building apartments rather than houses, because they can fit more units into the exact same space, which means that they can make a lot more money.. As a result, tens of thousands of apartments were built in the last few years.. With the current downturn in the property market, many units are currently unsold.. In addition, there s a concern that as foreign workers return to their countries,  ...   Most apartment blocks have a no pets policy.. Apartments can be noisy:.. Some apartments have very poor sound insulation and as a result can be very noisy.. You may be able to listen to the conversations of the people next door, and hear the tenants in the apartment above stomping around on their wooden floors.. To get a better idea of the normal noise levels, make sure you view apartments in the evening when everyone is home from work and school..

    Original link path: /guides/first-time-buyers-guide-42.asp
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  • Archived pages: 512