Moving Home

Moving Home doesn't have to be Moving Mountains! Let us help.

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At Mortgage Navigators we understand that moving is more than just changing addresses; it’s about starting a new chapter, embracing new possibilities, and creating memories. Our dedicated team is here to turn the transition into an exciting journey rather than a daunting task

We have experience assisting clients with various mortgage needs, including upgrading their primary home, purchasing a second home, or returning to the mortgage market after a sale. We understand that these journeys may seem less straightforward than obtaining your first mortgage, but it doesn’t have to be a difficult process.

Our goal is to make your mortgage journey as easy and hassle-free as possible.

How Much Can I Borrow?

In general, a mortgage of up to 3.5 times your gross annual income (combined income for joint applicants)

How much deposit do I need?

With new Central Bank rules in Oct 2022 Movers can now borrow up to 90% of the property value.  The deposit may come from the sale of your previous property, savings, gifts, etc.

What is the Maximum Term Available?

Terms of up to 35 years are available (to maximum age 70).

Other Associated Costs

Below costs based on a purchase price of €350,000

  • 1% Stamp Duty (1% of €350,000): ​€3,500
  • Solicitor Fees: ​​​​€2000-4000
  • Valuation: ​​​​€150/250
  • Engineers Report​​​: €800-1000

Choosing a Fixed or Variable Rate

Most mortgage providers offer either variable or fixed interest rates, and before you look for the best deal you need to decide which works best for you.

With a fixed rate mortgage, the interest rate remains the same for the duration of your mortgage fixed term. This means your monthly mortgage payments will stay the same, making it easier to budget each month.

With a variable rate mortgage, the interest rate can change depending on how the European Central Bank interest rates vary over time. The cheapest variable rates can be lower than fixed rate available, but your repayments could change.

Before you decide, make sure you speak to our mortgage advisors

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