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mortgages - where to apply?

  • 11-08-2013 10:11am
    #1
    crazy cat lady
    Registered Users, Registered Users 2 Posts: 1,196 ✭✭✭


    We are looking to get a mortgage to buy our first home. My husband is in full time education for the next year completing his masters degree so I would be looking to make a single application.

    I have a secure job and a fairly good salary and have a good chunk of a deposit saved.

    The only loan we have is a dfs interst free loan for our couch.

    I personally feel that we are in a good position to buy, but does anyone have any suggestions on which lending institutions will think so too?

    Thank you


Comments

  • #2
    lonestargirl
    Registered Users, Registered Users 2 Posts: 1,501 ✭✭✭lonestargirl


    I think as a married couple you will have to make a joint application.


  • #3
    Trish56
    Registered Users, Registered Users 2 Posts: 1,256 ✭✭✭Trish56


    Since you are married you have to apply in joint names. The following might me of some assistance to you.
    1. Be in secure permanent employment for at least 1 year.
    2. Show repayment capacity by proving regular savings and rent. Rent must be paid by standing order or bank transfer.
    3. Have a good credit history.
    4. Have 10% to 12% of the purchase price saved.
    5. Max. loan up to 92% of the purchase price.
    Hope this helps
    Trish 56


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