Stephen Hamilton

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Latest activity by Stephen Hamilton
  • Stephen Hamilton created an article,

    How long does it take to get mortgage approval?

    It normally takes approx. 10 days for approval to be confirmed. Howver your mortgage adviser can give you a good idea on your initial phone call. Once your application is submitted we will have a b...

  • Stephen Hamilton created an article,

    Why should I use MortgageLine?

    Here are some of the reasons why we think you'll benefit from using MortgageLine; Our technology enables us to provide you with an online mortgage applicaiton. You can Apply Online with our easy t...

  • Stephen Hamilton created an article,

    I think I am paying too much on my mortgage. Can you help?

    Yes! In fact, many people end up on their mortgage lenders Standard Variable Rate and end up paying too much – so it’s worth taking a few seconds to check with us if you can benefit from a remortga...

  • Stephen Hamilton created an article,

    What is a Standard Variable Rate?

    With most Irish mortgage lenders you will end up choosing a Fixed rate for an initial period of 1 to 10 years. When this initial fixed rate ends you will revert to the mortgage lenders Standard Var...

  • Stephen Hamilton created an article,

    Will I need a solicitor?

    If you are buying a property or remortgaging an existing property then you will need a solicitor to look after the legal process, this is called conveyancing. Your solicitor will be issued a loan o...

  • Stephen Hamilton created an article,

    How does the Help to Buy Scheme work?

    First things first – who does what: We will: handle your mortgage application and work with the mortgage lender to get your mortgage approved. First you will Apply Online and then your Adviser will...

  • Stephen Hamilton created an article,

    I am Sale Agreed! My offer was accepted.

    Congratulations! It's time to get the mortgage finalised now. If you already have Approval In Principle then we need to proceed to organise your mortgage valuation. In order to do this please provi...

  • Stephen Hamilton created an article,

    I do not have any savings. Can I take out a loan for the deposit?

    When looking to purchase a property with a mortgage, taking out a loan is not something we would recommend.  When applying for a mortgage, the lenders look at whether you would be able to afford mo...

  • Stephen Hamilton created an article,

    Can my parents help me buy?

    Gifted deposit First of all, your parents can offer to help with your deposit, which they can gift to you as part of the mortgage process. The lenders will usually require them to sign a gifted dep...

  • Stephen Hamilton created an article,

    How Much can I Borrow?

    Generally speaking, if you have a healthy deposit (eg. 10% of the house price) and your income is consistent and well-evidenced, you should be able to borrow around 3.5 times your salary. If you ne...