Our Services

Moving Home Mortgage

Updated: Nov 9, 2018



Moving home can be a daunting task. There’s so much to do and think about doing. Do I have to sell my home before I can move? What type of mortgage will I need? How much is my home actually worth? What’s my budget? Hopefully this piece will give you some well needed advice on what you should start to do when you are moving home!

1. Get your home valued

Moving home means you need to know how much you have to spend on your next home and also how much you might have to borrow. Local estate agents can provide a valuation for you. Valuations can vary in price from estate agent to estate agent so it is important to shop around. You can apply for and receive a FREE HOME VALUATION here by entering a few simple details.

2. Create a schedule and timeline

Decide what kind of new house you want. How many bedrooms and bathrooms you would like and what locations you would most like to purchase a new home. Also do you want to sell your home first and then buy your new property, or buy a new property first then sell your home? You will have to take this into account, as you might have to rent in between these two stages. There is no right or wrong way to do this, as most of the time it depends on the type of house you want to buy.

3. Set a ‘moving home’ budget

Once you know what kind of house you are looking for it is time to set a budget to narrow down the property search. You will have to work out how much you can afford to spend, taking into account the sale value of your current house, money you have saved up and a new mortgage loan.

4. Apply for a next time buyers mortgage

This is where we come in. Set up a meeting with one of our financial advisers. We take a look at your current financial situation and then recommend the various options available to you.  We get straight to the point when assessing your options. Then we can tell you which bank will give you the most money for your new mortgage. What mortgage rates apply, between fixed, variable and discount rates. What are the maximum and minimum terms that they fall under and advise you on if you should get mortgage cover and if so which is the cheapest provider.

Request a call back from Mortgage Team Now!

5. Find an Estate Agent

Finding a good estate agent is so important. Do you want an estate agent who is commission only? Or an agent who only gets paid once the house is sold? These are really important questions to ask yourself before you begin the daunting task of viewing homes and having your own home viewed.

RE/MAX Property Specialists (Waterford)

RE/MAX Property Specialists (Carlow)

RE/MAX Property Specialists (Limerick)

OUR OFFICES

Waterford

Limerick 

Carlow

Address

3 Parnell Street, Waterford

Email
Info@themortgageteam.ie​

Phone

(059 917 3225

Address

51 Dublin Street, Carlow

 

Email
Info@themortgageteam.ie​

Phone

(059 917 3225

Address:
72 O'Connell St, Limerick

Email:
Info@themortgageteam.ie​

Phone:

(059 917 3225

John Fogarty trading as The Mortgage Team is regulated by the Central Bank of Ireland' 3 Parnell Street, Waterford

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