Getting Ready to Apply for a Mortgage

Buying a new home is the biggest and most exciting financial decision you will ever make. Apart from picking out your dream home, it involves a lot of personal planning and organisation.

And that’s where we come in, by making your mortgage application process as simple and as streamlined as possible. Our job is to tailor a solution to suit your individual needs not only for the immediate home purchase but also to ensure that you have flexibility going forward in the event of life changes such as job loss or health issues.

To fully understand the mortgage process, we have set out the steps to how we can assist you on your mortgage journey.

How much Should You Borrow? How Much Can You Borrow?

At Aspire Wealth Management, we will advise you on how much you may be able to borrow, and on the best terms that suits your personal circumstances.

Before we do this, we need to gather financial information on your earnings, saving, existing borrowings as well as personal expenditure.

Typically we find that our Mortgage Questionnaire elicits all the relevant information to help us understand your specific needs.  Once we understand your requirements, we can identify the most appropriate lender, loan term, product and rate for your new home purchase.

Mortgage Approval in Principle

Before you go house hunting you may want to get outline approval of the maximum amount that you can borrow, and on whatever conditions such a mortgage might be granted.

This is where our Approval In Principle service helps by seeking credit approval for you for the most suitable mortgage product to meet your needs.

Once the Financial Institution is satisfied with the information submitted, they will issue an Approval in Principle which means you can go house hunting with confidence. This 'Approval in Principle" is valid for six months, allowing you to focus on the search for your new home.

To help us apply to lenders, all you need to do is complete our Mortgage Application Form.

Mortgage Switcher or Financing Home Refurbishment

If you are coming to the end of a fixed rate mortgage your lender must let you know 60 days before the fixed rate period ends. There are new mortgage products coming to the market all the time giving you the opportunity to save money on your mortgage.

If you already have a family home and are looking to either get a better long-term rate to make savings or need to borrow more to enhance your home, we can advise on the options open to you. A 0.5% reduction in interest rates on a loan of €300,000 could save €6,079 on a 20-year term or €17,207 on a 30-year term.

Let us help you to identify the savings that you might be able to make.

Mortgage Application Checklist

We have developed a Checklist to assist you in gathering all the necessary documents that are needed for a mortgage application.

Your Mortgage Documents

Applying for a Mortgage

To fully understand the mortgage process, we have set out the steps to how we can assist you on your mortgage journey.

Learn More

Mortgage Checklist

What you'll need in place to apply for a mortgage.

Learn More

Homeloan Application Form

The HomeLoan Application Form in full detail.
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Get The Home of Your Dreams

Get the right advice by arranging a call back or online meeting.

Simply book yourself into an appointment at one of our available times.