MORTGAGE ADVICE
Expert Mortgage Guidance
Secure the Best Mortgage with Expert Advice
Navigating the mortgage process can be complex, whether you’re buying your first home, trading up, or switching. At Prosperous, we provide expert mortgage advice tailored to your unique needs, helping you find the right mortgage solution and secure favourable terms. With our guidance, you can make informed decisions about your mortgage, ensuring a smoother and more efficient process.
At Prosperous, we understand that mortgages aren’t one-size-fits-all. Our team of experienced advisors will work closely with you to assess your financial situation, understand your goals, and match you with the best loan options available. Whether you need help choosing between fixed or variable rates, calculating repayments, or comparing options, we’re here to support you every step of the way.
What we offer...
Tailored Home Loan Advice
No two homebuyers are the same, which is why we offer personalised mortgage advice. We take the time to understand your financial situation and long-term goals, providing tailored recommendations on the best mortgage options for you. From comparing interest rates to assessing loan features, we ensure you make the right choice.
Approval in Principal Guidance
Getting approved in principle for a mortgage can give you a competitive edge when buying a property. We’ll guide you through the process helping you gather the necessary documents, prepare your application, and improve your chances of getting approved by lenders.
Fixed vs. Variable Rate Mortgages
Choosing between a fixed or variable rate mortgage is a key decision for many homebuyers. Our team will explain the pros and cons of each option, helping you decide which is best for your financial situation and goals. We’ll also assist with split rate loans, which combine elements of both fixed and variable rates.
Switching Options
If you already have a mortgage but are considering switching, we can help you assess your current loan and explore better options. We’ll guide you through the process, helping you secure a lower interest rate, reduce monthly payments, or restructure your loan to better suit your financial needs.
Initial Consultation
We begin by understanding your financial circumstances, home-buying goals, and preferences for your mortgage. This helps us tailor our advice to your specific needs and find the right loan options for you.
Loan Research & Comparisons
Based on your financial profile and preferences, we research the best loan options available in the market. We compare interest rates, loan features, and repayment terms to ensure you get the most favourable deal. If the lender/rate you’re currently with is the best option available, we’ll tell you that too!
AIP (Approval in Principle) Assistance
If you’re seeking pre-approval or AIP, we’ll guide you through the process, helping you submit the necessary paperwork and improve your chances of success. Approval in Principle can strengthen your position when making an offer on a property.
Ongoing Support
Whether you’re in the process of securing your mortgage or considering switching an existing mortgage, we provide ongoing support. We’ll answer any questions, liaise with lenders, and ensure the loan process runs smoothly.
Frequently Asked Questions
A fixed-rate mortgage locks in your interest rate for a set period, providing stability in repayments, while a variable-rate mortgage fluctuates with market interest rates. We’ll help you determine which is best for you.
‘Switching’ allows you to replace your current mortgage with a new one, often with better terms. We’ll guide you through the process and help you secure lower rates or better loan conditions.
AIP involves submitting your financial information to a lender for review. It gives you an indication of how much you can borrow and can strengthen your offer when buying a home. We’ll help you navigate this process.
In addition to your deposit, you’ll need to consider legal fees, stamp duty, and other charges. We’ll help you understand these costs and ensure you’re fully prepared.
Prosperous Financial Planning Limited is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Credit Intermediary on behalf of the following undertaking(s): Finance Ireland Credit Solutions DAC t/a Finance Ireland, Avantcard DAC t/a Avant Money, Haven Mortgages Ltd, Dilosk t/a ICS Mortgages