At Campion, we provide you with the borrowing information you need. A mortgage is a contract between you and a lender where the lender gives you (the borrower) money to buy property.
Over a period of time, the buyer pays back the borrowed funds plus interest and fees (eg., 5,10,15,20, 25 or more).
How Mortgage Brokers Work
A mortgage broker is a type of financial intermediary who connects home buyers with potential lenders to help the borrower obtain the mortgage that suits their needs.
A single Bank or Mortgage Lender can only advise a borrower on its own products, while a Mortgage Broker can advise customers on a wide range of options with whom they have agencies.
Benefits of Choosing Campion for Mortgage Advice
Our dedicated experts will provide excellent advice on the best mortgage for you.
Leave The Stress To Us
We provide a time-saving, stress-reduced process when helping you through the Lender paperwork when dealing with additional information requests.
Let us do the shopping to seek out the best deal for you.
Our Mortgage Expert will advise you regarding the documentation you will need. Example documentation includes but is not limited to completed applications, payslips, bank statements, identification, certificate of income, etc.
A fixed-rate mortgage is a home loan in which the interest rate is fixed for a specified time period, such as three or five years.
A mortgage with a variable rate is one whose interest rates are not set and therefore can rise or fall.
Mortgage terms might change depending on each borrower’s unique situation; the most typical range is between 15 and 30 years. For first-time buyers or those switching, loans up to 35 years may be available, though they typically do not extend beyond the age of 70.
The loan-to-value (LTV) ratio compares the size of your mortgage to the property’s appraised worth. Your LTV ratio will be lower the bigger your down payment.
Stamp duty is a tax charged on written documents that transfer ownership of land from one person to another. Both residential and non-residential properties are subject to stamp duty. Your property’s value determines how much stamp duty you’ll have to pay; as a result, the more valuable your property is, the more stamp duty you’ll have to pay.
Depending on whether you are a first-time buyer or not, the Central Bank of Ireland has different regulations regarding the required deposit amount. Currently, the maximum mortgage amount available to first-time buyers is usually 90 per cent. This indicates that a 10 per cent deposit is required as a minimum. Depending on your particular situation, your mortgage adviser will be able to help you.
Why Choose Campion for Mortgage Advice?
35+ years experience
11 offices throughout the country
Winner of the Deloitte Best Managed Companies for over 10 years
High customer retention rates
At Campion Insurance, our customers are at the heart of everything that we do. Choosing the right mortgage adviser can be a taxing and sensitive process. We want to give you and your family peace of mind, knowing that you’re safeguarded should the unexpected happen.
Our dedicated experts will provide excellent advice on the best mortgage for you. We search the market to find you the best possible rate.
Our personalised approach means you will not only get the best price but also the right policy cover to suit your individual needs.
At Campion Insurance, our team of professionals and dedicated mortgage advisers are on hand to provide you with advice including running through additional benefits, types of cover, financial queries and more.
Contact one of our local Financial Advisors on 0818 297 600 to discuss your options. Alternatively, request a call back and one of our Advisors will be in touch.