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Purchasing a home is an exciting yet complex milestone, and the process of securing a mortgage can often feel overwhelming. Lenders assess a range of criteria, with one of the most important being your ability to consistently meet mortgage repayments. To demonstrate this, you typically need to show a strong savings record along with regular rent payments (if applicable). Ideally, this track record should cover at least 12 months, though 24 months is preferred, as it provides stronger evidence of financial stability and repayment capacity. It is also essential to keep your bank account in good order, with clear and responsible spending habits. Avoiding irregular transactions such as gambling or excessive discretionary spending helps present a stable financial profile and reassures lenders of your reliability. However, there is a wealth of support available to guide you through the process. To make the most of your mortgage journey, working with a financial adviser can offer valuable expert guidance - helping you navigate the process with confidence, avoid common pitfalls, and make informed decisions that support your long-term financial goals.

For the majority of us, building, buying or renovating a home will be the biggest financial undertaking of our lives. But picking a mortgage provider can be almost as important as choosing the perfect home – with so many options on the market, it can be overwhelming.

By Brian McCormack, Sherry Fitzgerald Financial Services

The Mortgage Interest Tax Credit is available for taxpayers who made payments on a qualifying loan for their principal private residence, their former or separated spouse’s primary residence, or their dependent relative’s primary residence.

With interest rates on the decline and competition heating up in Ireland’s lending market, now is an opportune moment to secure a mortgage, according to Margaret Barrett, Managing Director at Mortgage Navigators.

The value of mortgage switching rose by an unprecedented 45pc in the last year, the latest doddl.ie Mortgage Switching Index has found.

Ahead of a significant pick-up in switching activity which is expected in the coming months, borrowers are being urged to weigh up their mortgage options carefully and to compare the long-term costs of mortgages across the market so they get the best deal when moving to another lender or staying with their existing one.

Thinking of cruising down the open road in your very own car? Now is the perfect time to turn that dream into reality with Claddagh Credit Union's 'Special Car Loan' at a 6.7% APR rate.

New mortgage lender MoCo, has been revolutionising the nation's home-loan markets by announcing that it would be prepared to issue mortgages that people can pay off until age 80.

In the past 12 months, DNG Maxwell Heaslip and Leonard’s residential sales division has had another promising and positive year, listing circa 230 properties across Galway city and county. With 92 per cent selling in the first four weeks of going to the market and more than 60 per cent of them achieving figures above their initial guide prices, they continue to show why they are the leading agents in the west of Ireland.