We are experts in financial planning in supporting you on your home buying journey. We specialise in mortgage sourcing and work with you to understand your requirements in relation to obtaining a mortgage while guiding you through the mortgage application process.
Central Bank guidelines state that a first time buyer should have a 10% deposit of the house price while borrowing a maximum of 3.5x annual gross salary. excemptions are available to these guidelines so feel free to contact us to discuss.
Searing Point Wealth Management Limited can help you to understand the different types of mortgages on offer, and can advise you on which mortgage best suits your needs. We can find the right first time buyer mortgage for you.
Our service is impartial and brings you the best mortgage deals from the main mortgage providers in Ireland. We will provide you with every assistance and understanding to help you secure your loan and give you speedy approval. We will assist you through every step of the process enabling you to move into your new home with as little difficulty as possible.
The mortgage market may have changed since you bought your last home so contact us to see how we can assist. At Searing Point Wealth Management Limited, we can save you time, stress and thousands of euros on your trading up mortgage, leaving you free to concentrate on enjoying your new home.
There are a lot of extra issues you need to consider as an investor, such as rental income, tenancy, PRTB registration, stamp duty, income and capital gains tax.
There is also a big difference in how you are treated by the banks when purchasing an investment property. For example, the interest rates, repayment options and mortgage terms available to you are not the same and are typically a lot less favourable when compared to a normal principal private residence home mortgage.
There are many reasons why you might consider remortgaging including:
Obtain a More Competitive Interest Rate
You may want to get a more competitive interest rate from another bank so you can save more money on your mortgage each month.
Consolidate Your Loans
You want to consolidate your existing loans with your mortgage and have one lower monthly repayment. While a lower monthly repayment may ease your monthly cash outflows, you should be aware that this new loan may take longer to pay off than your previous loans. This means that you may end up paying more than if you paid over a shorter term.
Buying your First Home is a big decision we have guided many of our clients purchasing their first home.
Expert advice is the key to a successful rental portfolio just starting or expanding, planning your finances and choosing the right property, landlords can make a good return as long as they are clever about where they invest.we have all the experience and advice you will need.
Moving house is said to be one of the most stressful times in your life! Although there can be many headaches to deal with, finding the best value mortgage doesn’t have to be one of them.
The aim of our expert team is to provide stress-free refinancing and mortgaging by,completing the transaction quickly and efficiently. When it comes to refinancing or remortgaging your existing property, we believe is vital that the legal aspect of the transaction is carefully managed from the very outset to its conclusion.
Protection is the key to planning in advance to enable you to protect yourself and your family against life's uncertainties.There are different types of life insurance and a range of financial protection solutions to suit everyone, and lots of information to help you make the right choice.
Whether you're looking to start investing, diversify your portfolio, save for a down payment or just earn more interest than a savings account alone, term deposits can help you achieve your financial goals. They are guaranteed secure investments with very little risk.
People are living longer and healthier lives which means for many retirement is the start of a new and exciting chapter, therefore it is more important than ever to think about where your income will come from when you retire.
While dealing with personal finance, setting goals are probably the most important step, And in order to achieve those goals, saving and investment play the biggest role. Savings means keeping money aside for future use. Investing means putting money or buying some assets in expectation that money will grow with time.