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First time buyer - Mortgage Query

  • 25-01-2018 5:00pm
    #1
    Reis777
    Registered Users, Registered Users 2 Posts: 9 ✭


    Hi,

    I am thinking to switch my current account to Bank of Ireland and get better mortgage deal. My %10 deposit is almost ready in my credit union account. Can you please advice that how long do I need to wait before submit my mortgage application? Would 6 months salary credit sufficient in my new account?

    Thank you.


Comments

  • #2
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    Hi Reiss777,

    Thanks for getting in touch with us here on Boards.

    You can apply at any time for a mortgage and you don't need to have held a current account with us for any specific amount of time to do this. You would need to provide six months of statements from your current bank. We've more information on mortgages for first time buyers here.

    Thanks
    Tara


  • #3
    Reis777
    Registered Users, Registered Users 2 Posts: 9 ✭Reis777


    Thank you very much Tara.


  • #4
    Honestfrank01
    Registered Users, Registered Users 2 Posts: 59 ✭✭Honestfrank01


    I have a current account with Boi and a mortgage savers account I am not far off my 10% deposit could I start my application or would it be better to wait to have the full amount ready to go??


  • #5
    Bank of Ireland: Sarah
    Closed Accounts Posts: 1,640 ✭✭✭Bank of Ireland: Sarah


    Honestfrank01 wrote: »
    I have a current account with Boi and a mortgage savers account I am not far off my 10% deposit could I start my application or would it be better to wait to have the full amount ready to go??


    Hi Honestfrank01,

    Thanks for your post.

    A number of factors are taken into account when you apply for a Mortgage with us including your deposit and ability to repay. So it would be best to discuss this with one of our Mortgage Specialists and you can request a call back from them on our website here.

    Thanks,
    Sarah


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