Based in Cork. Serving Clients Nationwide.
Whether you're upsizing, downsizing, or relocating, we'll help you move home with confidence.
If you’re moving home, and not sure what to do about your mortgage, we can help.
Our mission is to help you move home without the stress — whether you want to take your existing mortgage with you, or switch to a lower rate and a better deal.
We’ll take care of your mortgage, so you can focus on moving home.
Why Choose Us
Talk To The Mortgage Architect
Nothing beats choice, flexibility and experience.
Mortgage Consultation
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Mortgage Application
Next we will complete your application in full and submit it to your chosen mortgage provider.
Mortgage Approval
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
Property Valuation
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter Of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance & Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange Of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing The Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.
Make your move easy and stress-free.
Frequently Asked Questions
As a Second Time Buyer you can borrow up to 3.5 times your gross annual income. The minimum deposit required is 10% with demonstrated repayment capacity over the past 6 months with clear affordability and good credit history.
In certain circumstances, this would be allowed by some lenders and is referred to as Porting your Mortgage. You will need to meet the lenders current lending criteria. We will be able to guide you through this process.
Yes, but you may face an early repayment charge. Your current lender can advise you of any breakage cost or penalty on your fixed rate mortgage.
Selling first gives you a clear budget, but you may need temporary accommodation while waiting on the new purchase to go through. Buying first gives peace of mind if you find the right home, but it can stretch your finances.
Use our mortgage repayment calculator to estimate your monthly repayments.
