Bank of Ireland Mortgages
The Bank of Ireland is the best place to approach if you are an Irish citizen dreaming of owning a home. The bank offers a wide range of home loan products and facilities including First Time Buyers Package, Moves Mortgage, Switcher Package, Affordable Housing Mortgage, Equity Release, Buy to Let Mortgage, and Green Equity Release. Besides, you can avail of facilities such as top quality mortgage information, mortgage calculators, and excellent customer care service.
Mobile Mortgage Managers
If you are too busy to visit the Bank of Ireland, but need some mortgage information, you can contact the bank’s mobile mortgage managers, who will advice you at a time and place convenient to you. All you need to do is call Bank of Ireland’s mobile mortgage manager and arrange a meeting. Alternatively, you can email the bank and a mobile mortgage manager will get in touch with you.
The Bank of Ireland’s mobile mortgage managers will provide free mortgage information and advice regarding Bank of Ireland mortgages, provide personalized services, assist you with your mortgage process from the beginning to the end, and answer almost any query that you might have.
Getting a Mortgage Approval
The Bank of Ireland will assess your mortgage application and come to a decision as early as possible. If the bank approves your mortgage application, it will send you a Letter of Offer, informing you that you qualify for a mortgage home loan under certain conditions.
You will have to provide the bank your recent P60, pay slip, income certificate, photo identification, and utility bill. Self-employed people are required to provide 2 years of income documents. You will also need to get your property valued.
Although the Bank of Ireland keeps mortgage costs as low as possible, you will have to pay stamp duty, legal fees, valuation report fees, and surveyor’s report fees.
Here is a brief overview of the mortgage home loan products offered at Bank of Ireland.
Green Equity Release
If you want to save the environment while saving on your energy bills, or in other words, if you want to install an energy-efficient heating system in your home or insulate your home in a better way, you can avail of Bank of Ireland’s Green Equity Release.
Besides getting a longer loan term and lower mortgage rates, you can also avail of the government grants provided through Sustainable Energy Authority Ireland (SEAI) to make your home more energy efficient.
Buy to Let Mortgage
Besides providing you complete guidance regarding purchasing a property to let, Bank of Ireland offers 2 investment mortgage varieties—Repayment Residential Buy to Let Mortgages and Interest Only Buy to Let Mortgages.
Affordable Housing Mortgage
Bank of Ireland’s Affordable Housing Mortgage package includes as much as 97 percent of the market value of your property, up to 35 years loan term, a wide range of variable and fixed loans, and flexible repayment options.
Irrespective of whether you want to remortgage, get a first time mortgage, or release equity, the Bank of Ireland can help you.