Your mortgage is probably the largest and most important financial commitment you will have in your life time. That is why securing the best mortgage is just as important as finding the right property. With Redmond Mortgages & Pensions you can choose from a wide range of mortgage options and avail of advice from a team of experienced financial specialists. We offer:

• Refinance / Switching
• Top-up Mortgages
• First Time Buyers Mortgages
• Competitive variable & fixed rate
• Repayment terms up to 40 years
• Flexible repayment options
• Fast turnaround / decision
• Interest only (Terms & Conditions apply)

Your Redmond Mortgage & Pensions Specialist will review all mortgage options available and ensure that you secure the best mortgage deal to suit you.

There are so many different types of mortgages available on the Irish market. Your existing provider may not be offering you the best deal in the current market.
Redmond Mortgages & Pensions will ensure that you have the best package to suit your every move. Whether it’s advice you need, or the right mortgage option, we’ll help you to get started. Redmond Mortgage & Pensions Specialist are here to give independent advice and to save you time and money.

Trading up to your dream home is hugely exciting - but it also brings financial challenges.
Our trade-up mortgage options help take the stress and worry out of your dream move, by delivering a mortgage package that's unique and tailored to your needs.

Talking to an experienced Redmond Mortgage & Pensions Specialist allows you to immediately access the most competitive mortgage rates on the market.

There is no exact answer to this. The amount that you can borrow will vary greatly from institution to institution. A good rule of thumb is about 4-5 times your salary. If there are two applicants, multiply your combined salary by the same.

Lenders may use different ways to evaluate how much they will lend you. They will take into account the following:

• your income, the type and security of your job
• whether you are borrowing on your own or with someone else
• your savings and outstanding loans
• your credit history
• whether anyone will act as guarantor by agreeing to repay the loan if you are not able to borrow
• value of the property you want to buy.

Most lending institutions will not let you borrow more than 92% of the value of the property you plan to buy, so you should have some amount of savings prior to loan application. You will also have to meet other costs such as legal fees and possibly stamp duty before you even consider other expenses such as renovation, redecoration or furnishing. While it’s tempting to borrow as much as possible, you need to make sure you will be able to cope with future events such as higher interest rates, the arrival of children, illness or redundancy. It might be a good idea to include a regular amount for 'unforeseen expenses' in your budget.

In an ever increasing competitive mortgage market, many consumers are opting to re-mortgage their current mortgage package to avail of the best interest rates available to them. Redmond Mortgage & Pensions Specialist will advise you of a full range of products and choices to suit your personal needs.

Consolidate Loans

With high interest rates affecting us all from car loans to credit cards bills to personal loans, many consumers are choosing to consolidate their short term debt. By consolidating all outstanding loans into one overall mortgage repayment, you can significantly reduce your monthly outgoings.

Switch and save by moving to a better rate

Many people are now opting to switch and save by moving their current mortgage to another lender and therefore availing of a lower rate. You do not need to be topping up your mortgage or consolidating any debt in order to do this. A number of lenders will now pay the legal fees associated with switching lenders therefore making this a very attractive option for consumers.

Positive equity in your home is the difference between the market value of your home and the amount you owe on your mortgage. This difference gives you the opportunity to top-up your mortgage.

Consumers will choose to release a portion of this positive equity for a variety of different uses depending on their unique circumstances:

• Home improvements
• Purchase of a foreign property
• Purchase of an investment property
• Educational fees

Loan-to-Value Ratio (LTV): The ratio of the amount of money you borrow compared to the value of the property.

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

It is now more important than ever to review your current property portfolio and evaluate your existing financial arrangements. The mortgage that you agreed on some of your investments would have suited your requirements at that particular time, however, there might now be a better solution available to you now.

We will review your existing lenders rates on your portfolio and compare them to the best rates available in the market. Redmond Mortgage & Pensions Specialist will evaluate any potential savings available and what mortgage deal is optimal for your portfolio. We will also advise if there is a lender willing to pay your legal fees.

As fully independent Mortgage & Pensions Specialists, Redmond are best placed to evaluate these options on your behalf. At the very least we will confirm that your current mortgage portfolio is best suited to your financial and investment circumstances. At best, we will save you thousands on your mortgage repayments. Either way you have nothing to lose. Let Redmond Mortgages & Pensions review your mortgage portfolio and see how much you could save.

So with a portfolio of property investments and ‘multiple’ mortgages it is important to understand how much in total you are paying and how much you could potentially save. That is where Redmond Mortgages & Pensions can help you.

We can tailor an Investment mortgage to suit you, such as interest only payments for a specific term or indeed for the full term of the loan, invest with minimum or no capital outlay, fixed rate options, and many more.

At Redmond Mortgages & Pensions, we believe that our success is dependent on yours, so when you come to us for a commercial loan, your priorities become ours. Whether you're looking to invest in a shop unit or an office block, or provide premises for your business, we have a range of options to suit your requirements..

Our Commercial mortgage lending philosophy is based on developing long term relationships with our customers. You can be sure that we will investigate all your needs before recommending the option that best suits, be it a Repayment Loan, Interest Only Loan, Pension Loan, Refinancing/Equity Release.

Commercial finance is a complex area and investors should be armed with all the facts. Investors need to be aware that there is no published set of rates (as there is for residential mortgages) and that certain institutions charge additional costs such as arrangement fees.

We prepare all our commercial finance cases and present them to the banks in the most favourable way possible - this has a direct impact on the interest rate that can be obtained (generally the stronger the case presented the lower the rate that can be negotiated). We have an excellent knowledge of the market place and we protect our clients from paying excessive interest rates and arrangement fees.

If you have a poor credit history, have experienced financial problems in the past or have had arrears on loans - even judgments - it does not mean that a Mortgage is out of reach for you. Similarly, if you are self-employed or find it difficult to prove your income, it does not mean that you won't get a mortgage. Redmond Mortgage & Pensions will do all we need to arrange a mortgage for you even if you had previous financial problems, are self-employed or find it difficult to prove your Income.

Very often such applicants are refused by prime lenders due to the fact that they have had various breaks in their recent employment history.

Many customers have experienced bad credit problems in the past due to ill health, business failure and unemployment. Setbacks such as mortgage arrears, judgments, revoked credit cards, loan arrears and foreclosed hire purchase and leasing agreements are not an impediment to mortgage approval with many Specialist Mortgage Lenders.

Provided such applicants have the right to live and work in Ireland, many Specialist Mortgage Lenders will assess a mortgage application after only 3 months consecutive employment.

Many people that have decided to separate are often rejected by other lenders because of their marital status. Specialist Mortgage Lenders consider 100% maintenance income in such cases.