By your side every step of the way in your biggest financial decision.

If you are planning to buy a home, move home, look at other options on an existing mortgage & switch to a cheaper rate or purchase an investment property, we will get you the most competitive rate in the market for your circumstances so that you pay less to the bank and get more for your own back pocket.

FIRST TIME BUYERS

SELF-BUILD

MOVING HOMES

SWITCH MORTGAGE

BUY-TO-LET

Client Testimonials

“The expectation was to have support in applying for a mortgage, we go that and a whole lot more, every aspect of mortgage explained and every requirement for mortgage was supported by in full. The mortgage portal is brilliant.”

— John, Dublin

“My situation is a bit different, and I am not really on a typical life journey. Askpaul was able to understand this and adapted their advice to my specific case and needs.”

— Hannah, Dublin

“Ran through the whole mortgage process, set the expectations of timelines with the banks, solicitors, estate agents. Was put at ease about the process and made felt more comfortable about applying!”

— Andrew, Dublin

WE HAVE SUCCESSFULLY SOUGHT AND SECURED MORTGAGES FOR CLIENTS THROUGHOUT IRELAND, FROM DUBLIN TO GALWAY AND CORK TO DONEGAL.

WHAT WE DO

  • RReview your current situation
  • RFind out how much you can borrow based on your financial situation
  • RCompare mortgage deals from all major Irish lenders
  • RGet recommendations on the right mortgage based on your needs from a wide range of lenders
  • RCreate a plan to get you ready to apply
  • RCarry out internal mortgage underwriting
  • RHelp you prepare the documents you need to support your application
  • RSubmit your application
  • RCheck your paperwork and track the progress of your application
  • RCommunicate directly with the lender and answer their questions
  • RLiaise directly with the lender, saving you time and effort
  • RRegular communication updates
  • ROn hand for questions and troubleshooting

WHY WOULD YOU GET A MORTGAGE CONSULTATION?

We ensure you’re getting the best deal on your mortgage based on your circumstances. We help you understand what’s best for you whether it is switching mortgage to potentially save €1000s over the team of your mortgage or reducing your term through restructuring your payments, all while identifying the right time to do so.

We have an extensive team of qualified mortgage specialists, and we can meet you when and where it suits you best. We strive to ensure the process is stress free and seamless so no matter what you want to do, we’re here to help.

FIRST TIME BUYERS

One of the most crucial financial and emotional decisions you will ever make is purchasing your first house. We help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you get on the property ladder.

We’ll review your situation & recommend the most suited government initiatives for First-Time Property Buyers based on your situation whether is it Help to Buy Scheme, Local Authority Home Loan or First Home Shared Equity Scheme.

Did you know?

Under the new central bank guidelines, first time buyers will be able to borrow up to 4 times their income from January 2023 onwards.

SELF-BUILD

Building your own home can be an intimidating prospect as you’ll need to deal with several parties while building your new house, including architects, builders, the council, and numerous others. We help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help build your dream home.

We’ll help you identify how much you can borrow based on your needs, map out how much deposit you’ll need, identify the lender best for your particular build, recommend the most suited government initiatives & assist you throughout the self-build mortgage application process.

MOVING HOMES

You know how stressful it can be, having been through the mortgage application process before. Whether you’re trading up or moving on, we’ll help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you make the move swiftly.

We’ll help you identify how much you can borrow & help you secure the most suitable deal based on your needs.

SWITCH MORTGAGE

Moving lenders might help you secure a lower interest rate on your current mortgage thereby potentially savings a significant sum of money in the long term. We’ll evaluate your circumstances, explain you all the options that are available to you & help you access the most cheapest mortgage rates through our network of all major Irish lenders.

We’ll help you identify the best deal for your circumstance & provide quick as well as concise guidance throughout the process. We do the switching and you make the savings.

When can you switch?

  • If you are paying more than 2.3% on your mortgage.
  • If you need to borrow extra money for an extension, moving house, etc.
  • If you want to change the conditions on your mortgage, such as mortgage term.
  • If you have been able to meet your mortgage repayments.
  • If the property is not in negative equity, i.e. more than 80% loan to value.

BUY-TO-LET

Planning your finances and selecting the ideal property are the keys to a profitable buy to let investment, regardless of whether you are just beginning or extending your existing rental portfolio. The following step is to arrange financing for a purchase.

We’ll submit your application to a number of lenders through our network of all major Irish lenders and then show you a clear picture of your options.

Mortgages for investment properties are unique in that the affordability requirements are mostly dependent on the anticipated monthly revenue from renting the property to a tenant. The application procedure therefore heavily relies on the property’s location, dimensions, and value. We have extensive experience in the buy-to-let sector and so we understand what information the banks want. We help you present a strong application and successfully secure the finance you need for your investment property.

Every day we help single people, couples and families with new mortgage applications, switching lenders for a better deal, moving to new homes, refinancing and equity release, investment property purchasing and businesses looking to invest in new premises.

A quick guide to all Mortgage Terms

Top 10 Mortgage FAQs Answered

Documents needed for a Mortgage application

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

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Warning: You may have to pay charges if you pay off a fixed rate loan early.

Warning: The cost of your monthly payments may increase.

Warning: The payment rates on this housing loan may be adjusted by the lender from time to time.

Client Testimonials

“The whole experience was so professional and assuring. Unlike other financial consultants where we felt spoken down to with way too much vagueness. It was the complete opposite with askpaul.”

“I have contacted other financial planners in the past but was told they only deal with people of a salary 100k plus. I found this service exceptional where anyone can get advice regardless of their salaries.”

“I booked the consultation only looking to talk about investments and Ian helped us with income protection, investment, savings and spending plans. We got a lot out of the consultation.”

“Darren went above and beyond. Seemed like he genuinely had our best interest at heart. Did not feel rushed at all.”

“The projection software was super, it was really cool to be able to see what the next 59 years looked like financially and what would happen if one income was gone.”

“It was a real eye opener and everything I need is taken into consideration. I felt everything was geared towards my success and not that of the advisor.”

“I now have very realistic goals to work towards and know that I can trust the advice I was given. I feel comfortable and confident entering 2021 with a plan.”

“Gave us a great insight on our future financially and how we could give our kids a bright future if we put the right plans into place.”

Why work with us?

Work with Ireland’s leading financial advisors to make your money work smarter, harder and go further.

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