Remortgages / Refinance / Loan Consolidation:

Mortgage Repayments.... Term Loans.... Car Finance.... Credit Card Bills.... Holiday Loans.... Credit Union Loans...

With a few different loans, the monthly repayments can add up pretty quickly!!

Have you ever wondered if there is a more efficient way of meeting these monthly commitments, especially against a backround of increasing house values and low interest rates?

Switching your mortgage will allow you to combine all your loans into one simple package with one monthly repayment, and at very low interest rates.

Not only that, but you can arrange to include new borrowings to allow for important expenditure such as a new kitchen, replacement windows, an extra bedroom or even a provision for school or college fees.

So how does a remortgage work?

We will pay off your existing mortgage, and any loans you want to get rid of. Just tell us how much extra cash you'd like, add it all together, and take out the new mortgage over a term to suit. You can choose a mortgage over 10 to 30 years, whatever suits you best.

You can borrow 60% - 80% of your property value, depending on the lender and your requirements..   

How much can I borrow?

It depends on 3 main things - what your income is, your credit history and what the value of your property is. We will be able to work out your maximum approval amount, if you fill in an online enquiry. Generally speaking, the maximum loan we can arrange is 80% of the property value. Keep in mind that not all lenders offer remortgages (for loan consolidation purposes) and some require you to have more than 20% equity.  

What's required?

We will post you a completed form for you to sign, and a checklist of what we'll need.  Normally, we'd need: - Details of your income (payslips, P60, Salary Cert)
- Details of your loans (mortgage & loan statements showing your payments over the last year)
- Bank account statements for 6 months
- I.D. (passport / driving license & a utility bill e.g. ESB, Gas, Phone bill)