Now that you're ready to apply for a mortgage it's important to decide if you want to work with a broker or go directly to a lender or bank. Both brokers and lenders provide the same services to people who are looking for mortgage loans but they are some key differences between them. Here's a guide to help you choose which one is best for you. Mortgage Broker Mortgage brokers are financial professionals who act as an intermediary between individuals choosing to borrow and len

Now that you've found your dream home it's time to make an offer. This can be a daunting task but read this tips to know what to expect. Putting in an offer on the home you want, whether before an auction or for a private sale, is a similar process. All you have to do is contact the agent by phone or email to ask if they are any current offers on the property. Then you can let them know what you are willing to pay. Offer early and quickly If you have found the one don't wait

Even if your plans are on hold for the moment there's plenty you can do right now to make sure you're ready once the time comes. Buying a home is one of the most difficult thing you will do. A shortage of housing stock and a competitive housing market can mean that timing a property purchase can make it even harder. If your dream of home ownership is delayed here are some thing you can do to make sure you're ready to make a running start when the time feels right. 1. Find you

Buying a home can be complicated, especially when you come face-to-face with all the new jargon. When searching for a home or applying for a mortgage, you may hear an estate agent or lender use any of the terms or acronyms below. Keep this four-part guide handy — soon you’ll be fluent in the language of home buying before you know it. When searching for a home Buyers market: Market conditions that exist when homes for sale outnumber buyers. Homes sit on the market a long time

Now that you've viewing homes you may have been asked for an 'approval in principle' letter or proof of funds. This is something that your lender can provide as they process your application. An approval in principle doesn’t mean that you have a mortgage yet, or that you’ll be guaranteed that exact amount when the time comes, but it does give you a better idea of how much a lender would be willing to give you. The length of time your approval in principle lasts will vary from

It may be tempting to bid everything you have when trying to get your perfect home, but the sale price is only the beginning. Be prepared for additional — and sometimes unexpected — costs that can catch buyers unaware. Our Buying Budget details all these extra costs while also helping you calculate your buying budget. . Costs before closing Stamp Duty Stamp duty is not included as part of your mortgage loan so you will have to have funds for it in addition to your deposit. S

Your offer has been accepted but the journey is not over yet. Read these five tips to make your ready for the next step. You’ve probably been house hunting for months (or even years). You’ve gone though viewings, offers, inspections and reports. Finally, after so much excitement, stress and anxiety, you've heard those magic words that your offer has been accepted and the house hunt has come to an end. It might feel tempting but once the sale has closed its not quite time to r

One of the most important things you can when buying a home is finding the best area for you. You may like being close to the city or you dream of bigger spaces in the countryside. Think about your must-haves and nice-to-haves so you can focus your search when you’re ready to take the next step. Maybe you know exactly where you want to live or maybe you're still deciding. Take a look at these Neighbourhood Guides that can help make that decision for you. #buying

There are plenty of reasons to live in Dublin, and now with lockdown starting to lift the city is slowly making its way back to the vibrant and exciting city it once was. With world-class restaurants, galleries, bars and music venues the capital has ample ways to pass the time and the rich history and vibrant culture is present all around you as you stroll the cobbled streets. What’s really special about Dublin is how close it is to spectacular nature. Simply hop on the DART