Don’t be swayed by ‘free’ gimmicks…Check rates before committing to new mortgage deal Check the fine print before you considering switching

By Joey Sheahan   February 25 2018

Email your questions to [email protected] or write to Your Question, Sunday Independent Business, 27 – 32 Talbot Street, Dub 1

My partner and I are first-time buyers, or at least we’re hoping to be soon. I know the rules changed for FTBs a few years back in terms of what they can borrow, but since then I think there have been more changes and also some assistance schemes put in place. I find it all a bit baffling to be honest. Could you tell me in relatively simple terms what would be open to us? I’m a teacher earning €40,000 a year, my partner is a social worker earner around the same. We are both in full-time employment. Would we qualify for any schemes or exemptions? Ailis, Waterford city.