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Your journey, practical guidance, support and terms in one place.
From your first conversation to your front door.
Finding a property, arranging finance and completing the purchase often takes a few months, although it can happen sooner. Talk to us early, even before you find a property, to understand what you may be able to borrow based on your circumstances.
If your application is approved and you agree to proceed, we instruct a valuer to value the property. Subject to valuation, we issue loan documents explaining the key terms and conditions, together with a facility letter. You have a seven-day reflection period before you have to accept the offer.
The bank instructs a lawyer to review the title and arrange the mortgage. You also need to instruct your own lawyer for the purchase and to liaise with the bank’s lawyer. Once a completion date is agreed, the mortgage is drawn down; on completion, funds are transferred to the seller, ownership transfers into your name and you receive the keys.
Contact your Relationship Manager or call +350 200 03000. You can speak to us if you have missed a payment or are concerned about future payments.
We will look at the reasons for the difficulty and whether it may continue. Any changes to repayment arrangements depend on your circumstances and agreement with the bank.
We will tell you about the missed payment and any resulting charges, ask you to put the payment right, and invite you to contact us if you cannot do so. If arrears continue or further payments are missed, we will contact you again to understand the cause, whether the difficulty may continue and the options that may be available.
Depending on your circumstances and agreement with the bank, options may include total or partial refinancing, extending the mortgage term, an interest-only period, part payments or a payment holiday. These are possible options to discuss with us; they are not automatically available or guaranteed.
Not every situation can be resolved. The bank may need to take steps to repossess the property if repayment difficulties cannot be resolved.
We ask about your income, regular spending, assets and liabilities.
The published guide asks for bank statements, payslips and tax documents. Self-employed applicants may need business accounts and a tax return. The team will confirm what is needed for your circumstances.
The assessment considers the cost of the mortgage and the effect of potential interest-rate and currency movements. Read the full assessment guide and discuss the details with the team.
The loan amount compared with the value of the property, expressed as a percentage.
The Annual Percentage Rate of Charge reflects the overall cost of the loan, including interest and relevant charges.
The legal agreement setting out your loan’s terms and conditions.
A charge that may apply when a loan is repaid early. Any applicable charge is set out in your facility letter.
The point when the property legally becomes yours.
The difference between the property’s value and the borrowing secured against it.
A familiar face at every step, from your first questions to your new home.
Choose a planner below. Call or email them directly to discuss your plans.
Choose a planner to discuss your plans. Tap a card for direct contact details.
Mortgage Planner
Mortgage Specialist
Mortgage Planner
Mortgage Planner
Review the fees and interest rates, and discuss your questions with our mortgage team.
Your home may be repossessed if you do not keep up repayments on your mortgage.
