I've started my application in Mortgage Home, but I'm not ready to submit it. Can I save my details so far and come back later?
Yes. You can save and return to your application at any time. What is stamp duty?LTV stands for Loan To Value. It refers to the difference between the amount borrowed and the value of the property. For example, if the property is €250,000 and the mortgage loan is for €200,000, the LTV is 80%. The maximum LTV for first-time buyers is 90%.
What is APR?APR stands for Annual Percentage Rate of Charge. It is a calculation of the overall cost of a loan expressed as an annual rate. It takes into account all costs involved over the term of the loan. These costs include the interest rate, valuation fee and mortgage charge paid to the Property Registration Authority. We calculate it to a standard set out in consumer protection legislation.
Can I change my interest rate after I submit my application?Yes. Section 6 of the application form lists all of your interest rate options. If you change your mind about which rate you want, we'll be on hand to help you make that change.
What documents do I need?Section 8 of the application form lists the documents you need to give us with your application. Please note: Depending on the information you give us in your application, we may require additional documents from you after you have submitted your application. If required, these documents will be displayed in section 8 during the application review stage of the process.
Can I upload photos of my documents?Yes. You can upload scanned copies, e-originals or photos of your documents. Ensure all documents are valid, legible and all 4 corners are fully visible.
Can I submit my application without uploading some documents?However, there are some documents that you don't have to upload before you can submit your application. For example, 'Proof of divorce or separation'. These documents can be uploaded later.