Apply for a mortgage right now but wait a little longer. Lenders are giving out mortgages left right and center now and most mortgages offers are valid for 12 months! When you get approved for a mortgage, make sure you take your time. There are plenty of deals to be had, especially in the commuter belt and on North Co.Dublin.

You don’t have to get a shoebox apartment on a first time buyers mortgage in 2008 and there has never been a wider selection of lenders to choose from. The ball is in YOUR court now.

WS mortgages have an excellent new service where they will get a mortgage quote from 18 different lenders for you all at once. You can compare each and every lender side by side for the best deal and have THEM fight amongst themselves for YOUR business. The way it SHOULD be.

Take a look at the WS page and see what the best rate you are offered is.

I think that the cheapest mortgages in Ireland will come from the lenders that did not go bust or those who do/did not sell their mortgages on to other lenders.

Ultimately, your best bet for cheap mortgages will be a mortgage broker. There are literally hundreds of mortgage brokers in Ireland. Mortgage brokers can often… broker a cheaper mortgage rate than a mortgage lender can give to your face. This is because a mortgage broker often “pre qualifies” a buyer and also provides these leads in bulk.If you want an even cheaper mortgage, you canoften haggle with your broker too.

Our tool will be divided into two parts, a subprime search and a prime search. You should check our FAQ and reviews before filling in any details as your privacy is of the utmost concern.

Tell us how we are doing and how we can answer any of your questions.

The first company would be bank of Ireland.

What can we sway about bank of Ireland? Well, they offer an impressive first time buyer rate and a nice rebate on any mortgage changeover.

Next up is AIB.

AIB have some strange requirements and are not as suited to any FTB.

Finally we have Halifax (Bank of Scotland). Halifax are absolutely terrible and are pretty much liars. Do not trust them with your mortgage as they have so many hidden fees you will wish you went subprime.

I hope that this first batch of Mortgage Company reviews for buyers in Ireland. If you have any questions, please fill in the comments below.

The cheapest mortgage rates in Ireland can really only be sourced from an independent mortgage broker and advisor that has no ties to any lenders. While Bank of Ireland and AIB have tightened up their requirements for dishing out mortgages, an independent broker can strike a deal with each lender themselves. Don’t bother shopping around literally window shopping for the best variable rate, just go to a broker and let them do what they are paid to do.

The cheapest Irish mortgages are NOT advertised by the lenders. To get a cheap mortgage in Ireland you NEED to go to a broker. Simple as that. (Unless you are buying an investment property).

*** Disclaimer, this is an SEM test.

For example, there are better rates on certain types of mortgages for the first time buyer and there are better rates if you are buying as investment. The best Irish lenders are usually found from an INDEPENDENT ADVISOR. A broker who is tied to one or more lenders in Ireland is very bias and should be avoided at all costs. Ask on askaboutmoney who the best lender is for your situation.

The companies in Ireland offering the best rates are far from the sub prime ones that are just entering the market. New buyers need to be made aware of this and be aware that many mortgage companies are tied to specific lenders. In a lot of cases, the banks offering the best mortgage rates in Ireland are upping their minimum requirements and leaving a lot of first timers our in the cold. Literally. Before you go and decide on one specific mortgage company, make sure you check out all of them and if possible go to an independent mortgage advisor.

Happy house hunting and good luck with your home loan.

Lots of talk about mortgages, mortgage comparisons and all that carry on lately. There is lots to be learned and it can be especially difficult for a first time home buyer. Variable, fixed and tracker all all terms we have to learn, understand and graps before we can make an informed choice.

The first is the fixed mortgage rate.

The second is a variable mortgage rate

The third is a tracker mortgage rate

Before you go jumping into a sub prime mortgage because you just have to have your house, consider the value, and that you could be paying up to twice the price of your house over 40 years.

You need to compare across EVERY mortgage provider in Ireland to get the best deal.Mortgage providers in Ireland are notoriously difficult to get a decent quote from  that is both accurate and cheap. We will explore the best way to quickly and accurately get a cheap mortgage quote by the following Mortgage Comparisons.

The mortgage calculator works by calculating your income and comparing rates of multiple Irish mortgage providers to show you the best possible mortgage rates.

Please feel free to submit your mortgage questions or concerns and we will gladly address them.