Mortgages

First Time Mortgage Buyer

SO, YOU'VE DECIDED TO TAKE THE FIRST STEP ON THE PROPERTY LADDER. CONGRATULATIONS.

The Mortgage market is wide and varied. You probably already have a good idea of what is needed to apply for a mortgage, but, are you prepared for it?
We, at IMS Galway Mortgages have a wealth of knowledge and experience in dealing with 1st Time Mortgage Buyers and most importantly Mortgage providers.

Pre-Application - At IMS Galway Mortgages it is our policy to spend some time getting to know our clients. What your needs are and your current financial situation. Once we have a good idea of your requirements we will formulate a financial plan with your input and agree upon a course of action.

Application - We will package your Mortgage Aplication and present it to the most suited Mortgage provider on your behalf. We will negotiate for you, taking the stress off your shoulders, allowing you the time and space to carry out your search for that dream home.

Drawdown - At every stage of the Mortgage process we are there with you to carry the load. Once you have Approval In Principal and have found your dream home we will liase between all parties to ensure the Drawdown of funds goes as smoothly as possible.

Mortgage Switcher

Not all Mortgages are the same. Thinking of Switching your Mortgage to a better rate? Looking to make savings on your Mortgage?
We hold agencies with all major Irish mortgage providers. This means we are not tied to any one provider and can therefor offer a unbiased & impartial switcher service, negotiating on your behalf with multiple mortgage providers offering varied mortgage switcher packages.

1. Can I switch my mortgage?
There are a few things you need to consider when switching your mortgage.
Your LTV ( Loan to Value) rate can change based on the amount outstanding reducing and your house value changing up or down. This can be a huge factor in securing a new Mortgage rate.

The balance outstanding on your current mortgage will be a determining factor when looking to switch mortgages.
Term remaining, both minimum and maximum mortgage loan terms can apply if you are switching.

Your current rate or fixed rate could make the difference between significant savings and an overall loss over the lifetime of the loan.

Credit history will be looked at. Have you been meeting your financial obligations.

Before you make any important decisions it would be advisable to seek professional financial advice.

2. When can I switch my mortgage?
If you are on a variable rate you can, generally speaking, switch at any time. If you are on a fixed-rate mortgage you could pay a hefty penalty to break free, but if you are coming to the end of a fixed-rate period it would be advisable to look at your options going forward.

If you happen to have a tracker mortgage it would be very unlikely you would get a better rate.

3. Can I switch my mortgage to another bank?
The short answer is yes! Irish banks are offering very competitive rates to consumers looking to switch their mortgage. There are even cashback incentives being offered by mortgage lenders to get your business. While this may seem attractive in the short term, always remember the interest rate. This is where the real saving is made.

Self Build Mortgage

SO, YOU DECIDED TO BUILD YOUR DREAM HOME. CONGRATULATIONS.

Making the decision to build instead of buy can be one of the most exiting and yet daunting things you will ever do. You have enough to worry about, such as do you go down the route of hiring a project manager, an architect, an engineer, which builder is best suited to your requirements and time-frame?, will you require stage payments?, which Mortgage lender should you approach?. All of this plus the hassle of applying for a Mortgage. Luckily, we can help ease the process.

Pre-Application - At IMS Galway Mortgages it is our policy to spend some time getting to know our clients. What your needs are and your current financial situation. Once we have a good idea of your requirements we will formulate a financial plan with your input and agree upon a course of action.

Application - We will package your Mortgage Aplication and present it to the most suited Mortgage provider on your behalf. We will negotiate for you, taking the stress off your shoulders, allowing you the time and space to carry out your search for that dream home.

Drawdown - At every stage of the Mortgage process we are there with you to carry the load. Once you have Approval In Principal and have found your dream home we will liase between all parties to ensure the Drawdown of funds goes as smoothly as possible.

Trading Up Mortgage

DO YOU WANT TO TRADE UP FROM YOUR CURRENT HOUSE BUT DON'T KNOW WHERE TO START, THEN WE CAN HELP. TALK TO US TODAY.

Moving House ... Can be a stressful time! Don't let getting a trading Up Mortgage be one.Moving house or apartment can be a difficult, stressful time. There are many things to organise, together with the physical upheaval of moving somewhere new. Being well organised and planning in advance can make the experience less stressful. Selling your property is a big move and you don't need unnecessary stress. Make the best start by contacting Bestrates.ie Mortgages and we will have you on the right path in no time.

Pre-Application - At IMS Galway Mortgages it is our policy to spend some time getting to know our clients. What your needs are and your current financial situation. Once we have a good idea of your requirements we will formulate a financial plan with your input and agree upon a course of action.

Application - We will package your Mortgage Aplication and present it to the most suited Mortgage provider on your behalf. We will negotiate for you, taking the stress off your shoulders, allowing you the time and space to carry out your search for that dream home.

Drawdown - At every stage of the Mortgage process we are there with you to carry the load. Once you have Approval In Principal and have found your dream home we will liase between all parties to ensure the Drawdown of funds goes as smoothly as possible.

Buy to Let Investment Mortgage

DO YOU FEEL NOW IS THE RIGHT TIME TO INVEST OR EXPAND YOUR PORTFOLIO, OUR MORTGAGE BROKER TEAM WILL HELP YOU NAVIGATE THE MARKET AND MAKE THE RIGHT CHOICES..

Are you ready to start or even expand your property portfolio? There is work involved and before embarking on this type of investment and not just for the first time, talk to somebody who knows. In general residential investment properties are an excellent form of investment provided of course that one does not over pay for the property in the first instance. At IMS Galway Mortgages we are only to happy to sit down with you and discuss your future property empire or how best to expand your current portfolio.

Pre-Application - At IMS Galway Mortgages it is our policy to spend some time getting to know our clients. What your needs are and your current financial situation. Once we have a good idea of your requirements we will formulate a financial plan with your input and agree upon a course of action.

Application - We will package your Mortgage Aplication and present it to the most suited Mortgage provider on your behalf. We will negotiate for you, taking the stress off your shoulders, allowing you the time and space to carry out your search for that dream home.

Drawdown - At every stage of the Mortgage process we are there with you to carry the load. Once you have Approval In Principal and have found your dream home we will liase between all parties to ensure the Drawdown of funds goes as smoothly as possible.

IMS Galway Mortgages

200 UPPER SALTHILL
GALWAY
091395232

Why come to us for your mortgage

Our mortgage advisor will:

SERVICES

First Time Mortgage Buyer

Mortgage Switcher

Self Build Mortgage

Trading Up Mortgage

Buy to Let Investment Mortgage

WHERE YOU CAN FIND US

Galway

200 Upper Salthill Rd
Galway
091 395232

IMS Galway Mortgages

200 UPPER SALTHILL GALWAY 091395232

Why come to us for your mortgage

Our mortgage advisor will:

SERVICES

First Time Mortgage Buyer

Mortgage Switcher

Self Build Mortgage

Trading Up Mortgage

Buy to Let Investment Mortgage

WHERE YOU CAN FIND US

Galway

200 Upper Salthill Rd Galway 091 395232

200 UPPER SALTHILL
GALWAY
091395232

200 Upper Salthill Rd
Galway
091 395232