First Time Buyers

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Getting Your Foot on the Property Ladder

Buying your first home is a significant step, and securing the right mortgage is crucial. At MyMortgages.ie, we understand that navigating the mortgage process for the first time can be daunting.

That’s why we’re here to guide you through every step of the journey, from understanding your eligibility and affordability to finding the most competitive mortgage rate that suits your individual needs.

Exploring Mortgage Options

There are various mortgage products available to first-time buyers, each with its own advantages and disadvantages. Our advisors will explain the different types of mortgages, including:

• Fixed-Rate Mortgages: These offer a fixed interest rate for a specified period, providing stability and predictability.
• Variable-Rate Mortgages: These have interest rates that fluctuate with market conditions. While they can offer lower initial rates, they also come with the risk of interest rate increases.
• Tracker Mortgages: These have interest rates that track a specific benchmark, such as the European Central Bank’s base rate.

We’ll also discuss the potential benefits of government-backed schemes, such as the Help to Buy initiative, which can assist first-time buyers with a deposit.

Our expert mortgage advisors will work closely with you to understand your financial situation, including your income, outgoings, and deposit amount.

They will explain different mortgage products available to first-time buyers, including fixed-rate, tracker, and discount mortgages.

They will also help you understand the associated fees and costs involved in buying a property.

Benefits of Using a Mortgage Advisor

• Access to Exclusive Deals: Mortgage advisors have access to a wider range of mortgage products from different lenders, including exclusive deals not available directly to the public.
• Expert Guidance: Our advisors have in-depth knowledge of the mortgage market and can provide tailored advice based on your circumstances.
• Streamlined Process: They will handle the entire mortgage application process for you, saving you time and effort.
• Negotiation Support: They can negotiate with lenders on your behalf to secure the best possible mortgage rate.

Get Started Today

Our mortgage advisors are here to help you achieve your dream of homeownership.

Contact MyMortgages.ie today for a free initial consultation, and let’s discuss your first-time buyer mortgage options.

90% loans, Central Bank exceptions / exemptions available for Loan to Income.
2% cash back offers.
Loan amount of €300,000 over 35 years costs €1,319 /m based on 3.95% 3 year fixed rate.