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Mortgage file
A good independent
mortgage broker can get
you the very best rate and
a commission refund of €2,500 as well!
Click for details
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Currency file
Don't pay tourist rates for foreign exchange.
A specialist foreign currency dealer can give you a far better rate and save you a lot of money.
Click for details
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Insurance file
Holiday home and ex-pat insurance is just so much easier to arrange if the policy and claims are in your own language.
Click for details
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 Mortgage recommendations
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The best mortgage deal for you depends on where the property you want to use as security is located - not necessarily the property you want to buy.
For example,
- if the property you are buying is in Ireland, then REA Mortgage Choice is the place to go, regardless of where you live or work.
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Getting a Mortgage |
Irish mortgage rate league tables and mortgage calculators to help you work out how much you can afford.
Find out how to get the best mortgage rate in Ireland with all commissions refunded - save thousands of €! |
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If all of that has left you more confused than when you started, let REA Mortgage Choice explain it to you and help you choose which mortgage is best for you.
If the property you are buying is in Ireland, REA can arrange a mortgage for you but if it is elsewhere, read our Foreign Mortgages page for some valuable tips on choosing a broker. |
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To add to the confusion with different mortgage types, there are myriad rates on offer too.
It isn't just a case of picking the mortgage with the lowest quoted interest rate or even the lowest APR (Annual Percentage Rate). Generally, the most reliable guide to the cost of a mortgage is the monthly repayment per €1000 borrowed.
We provide a listing of some of the best mortgage rates available. |
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 Types of Mortgage
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If you have a good credit history and sufficient earnings, whether from employment or self-employment, you have a bewildering choice of mortgages available to you.
As well as traditional Annuity or Repayment mortgage there are Endowment mortgages, Interest only and low-start mortgages, Pension linked or Equity linked mortgages and many more. |
Which type of mortgage is right for you depends on your individual circumstances and if in any doubt, you would be well advised to consult a financial adviser or a specialist mortgage broker.
But do make sure you pick a mortgage broker who is truly independent of the vendor and independent of the lender. |
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Getting a mortgage |
First, you wouldn't buy a house without shopping around, so why would you buy a mortgage without shopping around? Because it's tedious? Yes, that's true and that's why Propertyfile.net recommend using a broker, but not just any broker.
We wholeheartedly recommend REA Mortgage Choice for a number of reasons which you can (and should!) read about here.
In short, they will do the work for you, and pay you for the privilege - a service long overdue in Ireland, we think.
REA's service is so good they have been recommended on the Pat Kenny show and by many leading consumer affairs experts. |
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| The word Mortgage is frequently misspelled. |
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