Protect what

Mortgage Protection

While the purchasing of a house is an exciting prospect, the related journey can be fraught with stress and unexpected challenges. Engaging with lending institutions, auctioneers, solicitors, and   engineers is for most people a venture into the unknown. As one of Munster’s leading mortgage brokers Absolute Finance promise to provide all the answers to the obstacles you are likely to face.  We will help you choose the package that is right for you. 

Our dedicated team of mortgage advisers will focus on:

  • Saving you Time and Money.
  • Guiding you through the process from mortgage application to cheque issue stage. 
  • Offering you access to a proven panel of auctioneers, solicitors, and engineers.
  • Tailoring your application to benefit best lender offerings.
  • Explaining mortgage availability as dictated by age, occupation, and life – style.

Absolute Finance employees backed by over 50 years combined experience guarantee a wholly professional quality service to all loan applicants. They are fully conversant with the requirements of first – time buyer, trading up, down – sizing, holiday home or investment property purchase. Our multiple lender agencies assure you of the best deal the market has to offer. 

We provide the answers to the following frequently asked questions:

  • Do I qualify for a mortgage?
  • How much can I borrow?
  • How much of a deposit will I need?
  • How long will it take to get an approval?
  • What documentation do I need to get approval?
  • When will my approval expire?
  • Best rates
  • Variable or Fixed rate?
  • Self- employed approval stipulations?
First-time Buyers

Taking that first step on the property ladder is a momentous point in your life. Our friendly advisers will make the process easy for you. They are well acquainted with applicant nervousness; they will immediately set out to make your journey a comfortable one and alleviate any fears you may have. Please ask questions, you have not been down this road before. 

Switching Mortgages/ Re-mortgage

The number of people choosing to avail of mortgage switching is on the increase. Many mortgage holders chose to switch their mortgage more than once during a lifetime. Depending on the value of your property, switching can lead to improved re-payment rates resulting in significant savings over the life of a loan.  Mortgage holders can avail of a re-mortgage facility for home improvements, or amalgamation of existing term loans to reduce monthly re-payments. 

Self Builds:
Building your own home means you get exactly what you want. 

Many mortgagees have availed of our highly specialised service to follow the self – build route.   

Special attention is focused on:

  • Using site as a mortgage deposit.
  • Budgeting and achieving maximum loan approval.
  • Stage payments
  • Government (HTB) Help to Buy scheme.
Trading Up/ Home Movers

You may have purchased your first home many years ago and now wish to trade up to your dream home. We can help you utilise the equity in your current home to purchase your new home. You may also wish to downsize your family home. We can provide you with expert advice on your own personal circumstances. 

Investment Properties

You can expect to pay higher interest rates for investment mortgages where the ability to repay your mortgage is largely dependant on rental income. Your application will be subject to tighter lender underwriting.

Would you like to purchase a new property to rent out? Would you like to purchase a holiday home, where you can spend with your family and friends? We can advise you on what deposit you will need and what the process is with each lender and take you through every step of the way. 

Equity Release

If you have been paying your mortgage over an extended time the value of your home may now be significantly greater than your outstanding mortgage balance. You are now eligible to release equity providing you continue to meet standard lending criteria.   

Pension Mortgages

A pension mortgage allows you to buy a property through your pension fund. It can be a profitable option for Irish pension holders as all income and gains within pension schemes are exempt from income tax and capital gains tax. There are many rules associated e.g. a lower loan to value allowable on property and a revenue rule regarding the need for the property to be managed at “arm’s length but please call us to discuss further.

Non-resident lending

Purchasing a property in Ireland while in overseas employment can often be a difficult process. Our advisers can work with you throughout the documentation and application process with practical advice and guidance on how to attain the best mortgage for you.

A lower (LTV) Loan to Value will be offered with tighter underwriting being the norm.