Mortgages

Let Us Take Your Dream And Turn It Into A Home

The Best Option For You...

We won’t dispute the fact that for someone not familiar with a mortgage application, it can be an excruciating and overwhelming ordeal. But for those of us familiar with the process, when we obtain a mortgage for a client, it is the most rewarding and fulfilling activity, because you can sense the energy, excitement and relief around achieving this outcome. Helping our community is what we thrive on.

For the majority of people it will be the biggest investment they will ever make in their lives. And for those who are waiting anxiously on whether they are successful, it can be a life changing experience.

The approach to obtaining a mortgage isn’t unique, as everyone starts off on the same footing, yet the journey might be different to you as opposed to someone else. There will be factors at play, such as full time or part time employment, income status, dependancies or your capability to pay back a mortgage.

But our goal is to review your situation and manage the entire process so that we can provide you with a mortgage solution that all parties, including institutions, are happy with.

In A World Of Confusion...

If you’re considering a ‘Buy To Let Mortgage’ as an investment property? We can advise you on forecasting and if property prices will increase or decrease or if demand will stay consistent. Lenders provide many products and we can clear the fog around what option will suit your needs.

If you’re a ‘First Time Buyer’ starting the process can be overwhelming. There are many things to consider and terminology to get acquainted with from the outset. ‘Loan To Value’ with deposit or ‘Loan to Income’ which restricts the amount of money you can borrow not to include ‘Fixed or Variable Interest Rates’. We have put together a very useful document that every first time buyer should read before starting the mortgage journey. You can download this guide here.

How about ‘Switching Your Mortgage’ and drawing on the benefits of borrowing at a lower interest rate, utilising your home’s equity for additional cash. There’s an opportunity to switch to a product that’s more suitable to your financial situation or just consolidate debts.

Our approach to Mortgage advice makes it easier. We take away your stress, overwhelm, frustration, unpredictability and time lost. All it requires is for you to follow our 3 guidelines…

Mortgage Applications can be easy. Trust the process.

Casestudy

First Time Buyers who would do it all over again!

Background

Lisa and Graham were both first time buyers. They were renting, had one child and were finding it difficult to raise funds for the 10% deposit for their first home. Both Lisa & Graham were in full time employment, permanent and felt a little overwhelmed as to how they would ever get on the property ladder.

Realising that they needed help, they reached out to our Head of Mortgages, John Mansworth.

They first needed advice on how to apply and to get in the right position for applying.

Key Needs

Solution Provided

As they made the decision to actually buy the house they were renting, no auctionner was needed. This made the process much easier fro them. We have a panal of auctioneers, solicitors and engineers that we regularly engage with so this was also helped put their mind at ease. We can manage the entire process for most clients.

Once we got through the application process and had a number of meetings to arrange the approval, we then defined a timeline for potential for the purchase. We arranged mortgage life assurance and house insurance required for the bank and then liaised with the lender on the closing date for mortgage drawdown.

Lisa and Graham signed contracts with the solicitor, funds were requested and title deeds arranged. Next and most importantly, the keys were collected and they were in!

What Our Customers Are Saying

Hi John,. Just emailing to send a thank you for all you have done for myself, Graham and Niall the past few months for the purchase of our first home - you were a dream to deal with. The service provided was top notch, it could not of gone smoother and that was all down to your management and professionalism. You made everything so easy for us, being first time buyers, we had not a notion. Thank you so so much. We will definitely be using your services at Castle Capital in the future. All the best.

Lisa

Cork