Getting a mortgage? Then do your homework first
Would-be borrowers should inform themselves on everything from declaring income to tips on how to apply from your mobile phone
Slowing house prices, an extension of the Help To Buy scheme and historically low interest rates might suggest that now is as good a time as any for house hunters to apply for a mortgage.
A sticky point for many is the Central Bank’s conservative mortgage rules that were introduced four years ago. The measures restrict loan-to-income limits to 3.5 times an applicant’s annual income, regardless of how much they earn. First-time buyers (FTBs) must...
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