If you have copies of all your documents, it might be advisable to apply to some of the other providers and get yourself a better deal while you're at it. Take a look at the Best Buys table here.
My Wife and I are first time buyers. We had looked into mortgages with AIB and EBS (never actually applied in full with either) and then we heard of pepper money.
We contacted them and got "Approval in principal" on an amount.
Could you explain that as I am completely mystified and I am genuinely trying to understand the process by which people choose a mortgage.
Unless you have a poor credit record, there is no reason for going to Pepper.
Check out
Best Buy for up to 90% LTV
and
How to go about choosing a mortgage
AIB were willing to give us 170K but because we have a car on finance they wanted to take 60K off that (even though the car is worth 19K - go figure)
Although their rates are high they were the only ones offering enough money to purchase a house
KBC offered me and my wife 70K of a mortgage because we have a car on finance. I am not sure what kind of house 2 first time buyers are supposed to buy for 70k
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