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As financial advisors, we recognise that no two mortgage customers are the same and people will have different requirements depending on their individual circumstances. We like to take a flexible approach and believe that you should be free to select a mortgage to match your changing lifestyle. So whether you're a first time buyer or an old hand at the mortgage business, with this brochure and our help, you'll find it easy to choose your own mortgage - and make your money stretch further.

We will ensure that you make the right choice - providing you with professional advice, answers to all your queries and guidance through the mortgage process explaining the issues associated with selecting the mortgage that is exactly right for you.



If you are buying a home for the first-time; or self-building a new residential property, you may be entitled to claim a refund of Income Tax.

  • Cash buyers do not qualify.
  • If you are buying or self-building the property jointly then they too must also be a first-time buyer.
  • You will not qualify if you have previously either purchased a property; built; or inherited a property, individually or jointly with anyone else.
  • The incentive only applies to properties that are bought or built as a “First Time Buyer’s Home” and it does not cover investment properties.
  • You must take out a house purchase mortgage loan of at least 70% of the contract price (or, for a self-build, 70% of the valuation approved by the mortgage provider) and must occupy the property for 5 years from the date that it is habitable.


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Mortgage Advice Store Ltd is regulated by the Central Bank Of Ireland

Variable rate warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may lose your home. The payment rates on this housing loan may be adjusted by the lender from time to time.

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it

Fixed rate warning: You may have to pay charges if you pay off your fixed-rate loan early

Interest only warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period

Debt consolidation warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term

Endowment loan warning: There is no guarantee that the proceeds of the [Insurance Policy / Pension Policy] will be sufficient to repay the loan in full when it becomes due for repayment