Top tips for First Time Buyers
We provide some top tips for First Time Buyers on what to look out for when shopping around for Mortgages.
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- Enquiries
Home Loan Calculator
New business: 0818 427 427
Existing business enquires: 0818 542 542
Broker Enquiries
All other enquires : 01 – 5180030
Introducing our Flexi 2 year interest only feature for owner occupiers - Providing financial flexibility for the first two years of your mortgage journey. Features Include:
Mortgage Online Calculator
Our easy to use online calculator will tell you how much you can borrow, and how much your monthly repayments will be
Key Features:
- Fixed rates starting at 4.25%
- 5 Year Fixed rate mortgage
- Flexible Repayment Options Available
- Overpay an additional 20% off your mortgage in any 12 month period without penalty during the fixed rate period
Check your Eligibility
Would you like to learn more about our Mortgage products? Get in contact today and one of our Qualified & Experienced Lending Managers will get right back to you.
Streamlined Process
Our qualified mortgage professionals will work with you to ensure your loan is processed as smoothly and as efficiently as possible.
Enquiry
Application & Assesment
Approval
Drawdown
Download our Guide to Getting your First Mortgage.
DownloadWARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY B ADJUSTED BY THE LENDER FROM TIME TO TIME.
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST-ONLY PERIOD.
WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT, A HIRE PURCHASE AGREEMENT, A CONSUMER-HIRE AGREEMENT OR A BNPL AGREEMENT IN THE FUTURE.
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE LOAN EARLY.
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOAN. THIS MEANS THAT YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.
COST OF CREDIT: AN INDICATIVE COST OF CREDIT INCLUDING THE INTEREST-ONLY FEATURE IS €231,409, COMPARED TO €223,547 FOR A CAPITAL AND INTERST MORTGAGE OF €250,000 OVER A 30-YEAR TERM ON A FIXED RATE OF 4.25% MOVING TO A VARIABLE RATE OF 4.99%.
Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland.
For more information contact ICS Mortgages
PHONE: 0818 427 427
EMAIL: icsdirect@dilosk.com
Or contact your local Mortgage Broker
We’d be delighted to do business with you
Features and Benefits
- Pay Interest only for the first 2 years, meaning your repayments will be reduced during the first 24 months.
- Capital and interest repayments apply for the remaining term.
- A minimum loan size of €100,000
- A maximum loan size €1.5M (Max LTV of 75% for loans greater than €1M)
- 5 – 35 Year Loan Term
- Fixed Rates from 4.25%
For further information, please contact one of the brokers below and they would be delighted to discuss our mortgage products with you, or alternatively contact us at 0818 427 427 or email icsdirect@dilosk.com.
Loan-to-Value
5 Year Fixed
<60%
Rate - 4.25%
APRC - 4.54%
<70%
Rate - 4.40%
APRC - 5.54%
<80%
Rate - 4.40%
APRC - 4.62%
<90%
Rate - 4.40%
APRC - 4.62%
Fees & Charges
Standard Fees and Charges Applied
Unpaid Direct Debit
€12
Interest surcharge (arrears)
– Subject to the provision of Chapter 3 of the Central Bank of Ireland’s Code of Conduct on Mortgage Arrears.
0.4% per month
Legal Fees and Charges Applied
Accountable Trust Receipt
– This fee is charged when a Solicitor requests the Title Deeds on behalf of our customers. The fee is not applicable where our customers are seeking
€63
Third Party Fees and Charges Applied
Third Party Fees and Charges
There may be other charges associated with your mortgage payable directly by you to third parties, e.g. Solicitor Fees, Valuation Fees, Surveyor Fees.
Valuation Fee
€185
Terms & Conditions
Lending criteria, terms and conditions apply and are subject to change. Minimum loan size is €100,000. Maximum loan amount is up to 4 times income (or 3.5 times income depending on borrower category). A valuation fee of €185 applies. A redemption fee of €120 applies. Available to over 18s only. APRC calculations are based on a €100,000 mortgage over a 20-year term.