Kilkenny
Mortgages

TEL: 056 7756122

5 Ormode Road Kilkenny R95 Y172

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Online mortgage approval

Click, Answer, Upload... Start your mortgage journey from the comfort of your sofa. 

Will a mortgage broker get me a mortgage?

While as a mortgage broker we cannot guarantee that you will be approved for a mortgage, we can significantly increase your chances of getting one by: 

Kilkenny Mortgages

1. Assessing your financial situation: At Kilkenny Mortgages your mortgage broker/adviser we will thoroughly review your income, credit history, debt-to-income ratio, and other financial factors to determine your eligibility for a mortgage. We will also consider your deposit and any other assets you may have.
2. Comparing mortgage options: At Kilkenny Mortgages we have access to a wide range of mortgage products from various lenders, allowing us to compare interest rates and terms to find the best fit for your financial needs and goals.
3. Preparing and submitting your application: Our Mortgage brokers/Adviser will guide you through the application process, ensuring that all required documentation is submitted accurately and promptly. We also help you understand the terms and conditions of your mortgage offer.
4. Negotiating on your behalf: Kilkenny Mortgages will negotiate with lenders on your behalf to secure the best possible interest rate and terms for your mortgage. We also advocate for your interests throughout the entire process.
5. Providing ongoing support: Kilkenny Mortgage brokers/Advisers will provide ongoing support and advice even after you have secured your mortgage. We help you understand your mortgage obligations, answer any questions you may have, and assist you with refinancing or other mortgage-related matters in the future.

Using a mortgage broker can save you time, effort, and money by streamlining the mortgage process and helping you find the most suitable mortgage option for your needs. However, it's important to choose a reputable and experienced mortgage broker who will prioritize your best interests.     

How many times my salary can I borrow for a mortgage in Ireland?

The maximum loan-to-income (LTI) ratio for a mortgage in Ireland is 4 times your gross annual income for first-time buyers and 3.5 times for second-time buyers. 

This means that if you and your partner are first-time buyers with a combined gross annual income of €60,000, you can borrow up to €240,000 for a mortgage. If you are second-time buyers with the same income, you can borrow up to €210,000.

However, there are a few exceptions to these rules. Lenders are allowed to exceed the maximum LTI for a certain percentage of home loans. This is on a case by case basis and once the allowed quota has been exceeded this option will no longer be available for the remainder of the financial year.