Home Loans    Residential Investment Loans
Property Investment Loans
 

Independent advice and knowledge of the market are essential in order for you to make the right choice on a particular Mortgage package. At Goldkey Mortgages, our aim is to source the most suitable Mortgage for our client, at the most competitive rate. Each Mortgage package is tailored to suit the individual needs of each client.

With access to the main Institutions in Ireland’s lending market, we can provide impartial advice on financing from Banks, Building Societies and Mortgage Providers.

A package best suited to your individual needs can be easily arranged. Once this package has been identified, your finance application will be completed and submitted to the lending institution of your choice. We aim to ensure a swift formal loan approval.
 

Verification Details Required for Home Mortgages
 

All applicants are required to provide original i.d. documentation and to sign mortgage application form, and a declaration form for the relevant bank. Our mortgage advisers will advise and assist our clients in all cases.

Mortgage Advisor Tips and Information
 

Be on your Guard:

• Check the credentials of the professionals you use, i.e. Estate Agents, Solicitors, Surveyors.
• Always go to a reputable Auctioneer or Estate Agent, who is licensed by one of the professional bodies.
• Always consult with your Solicitor before you sign anything or hand over any deposit.

Buying a Pre-Owned Home:

• Avoid being rushed into buying a property. Some owners may try to encourage you to make a hasty decision by mentioning that another potential buyer has already made an offer.
• The reserve quoted on property for auction tends to be conservative. Check it against similar homes sold in the area to see how realistic it is.

Buying a New Home:

• Due to continuing demand for new homes, it is advisable to arrive well in advance of the advertised opening times to beat the queue. You may have to pay a deposit immediately to secure the property.
• Ensure that your builder has registered the property with the Homebond scheme, which provides certain assurances in relation to the property.

Buying Off-Plan:

• Make sure that you understand the plans fully. It is safer to get professional advice before you pay a deposit – a surveyor will consider aspects such as area/size, views, daylight, privacy and future building plans.
• Ask for the completion date – bear in mind that the process is complicated and prone to delays.
• A builder must provide buyers with an insurance policy or banker’s ‘termination’ guarantee to protect against the builder going bankrupt before construction is complete.