Top tips for First Time Buyers
We provide some top tips for First Time Buyers on what to look out for when shopping around for Mortgages.
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- Enquiries
Home Loan Calculator
New business: 1890 427 427
Existing business enquires: 1890 542 542
Broker Enquiries
All other enquires : 01 – 5180030
The Mortgage designed especially for Public Sector Employees
Public Sector Mortgage Online Calculator
Our easy to use online calculator will tell you how much you can borrow as a Public Sector Employee, and how much your monthly repayments will be
Contact us Directly or Find your Nearest Mortgage Broker
Contact us Directly on 1890 427 427 or email icsdirect@dilosk.com
OR
Key Features & Benefits:
- Competitive mortgage rates starting at 2.40%
- Streamlined Mortgage Application Process for Public Sector Employees
- We can take your basic pay as two points up the salary scale
- Overpay an additional 20% off your mortgage in any 12 month period without penalty
- Overtime & Allowances Accepted
- Mortgage Breaks Throughout the Term
Check your Eligibility
Would you like to learn more about our Mortgage products? Get in contact today and one of our qualified & experienced Lending Managers will get right back to you.
Streamlined Process
Our qualified mortgage professionals will work with you to ensure your loan is processed as smoothly and as efficiently as possible.
Enquiry
Application & Assesment
Approval
Drawdown
DOWNLOAD OUR PUBLIC SECTOR GUIDE
DownloadWARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.
WARNING: YOUR PROPERTY IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE. (Variable rate loans)
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.
WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE. (Variable rate loans)
WARNING: IF YOU HAVE AN INTEREST-ONLY MORTGAGE, THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST-ONLY PERIOD.
Lending Criteria, Terms and Conditions apply and are subject to change.
Rates are correct as at 15.01.2020 but are subject to change.
Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland.
For more information contact ICS Mortgages
PHONE: 1890 427 427
EMAIL: icsdirect@dilosk.com
Or contact your local Mortgage Broker
We’d be delighted to do business with you
Features and Benefits
- First Time Buyers can avail of a home loan up to 90% LTV as standard
- A minimum loan size of €100,000
- A maximum loan size of €1.5 million if in an urban area and a Loan to Value of up to 70% Loan to Value
- 5 – 35 Year Loan Term
- Variable rates from 2.70%
- Minimum property value €100,000 with no maximum property value
For further information, please contact one of the brokers below and they would be delighted to discuss our mortgage products with you, or alternatively contact us at 1890 427 427 or email icsdirect@dilosk.com.
Loan-to-Value
Variable
3 Year Fixed
5 Year Fixed
<50%
Rate - 2.70%
APRC - 2.77%
Rate - 2.45%
APRC - 2.70%
Rate - 2.40%
APRC - 2.65%
<60%
Rate - 2.70%
APRC - 2.77%
Rate - 2.45%
APRC - 2.70%
Rate - 2.40%
APRC - 2.65%
<70%
Rate - 2.95%
APRC - 3.02%
Rate - 2.50%
APRC - 2.91%
Rate - 2.45%
APRC - 2.82%
<80%
Rate - 2.95%
APRC - 3.02%
Rate - 2.50%
APRC - 2.91%
Rate - 2.45%
APRC - 2.82%
<90%
Rate - 3.15%
APRC - 3.23%
Rate - 2.60%
APRC - 3.09%
Rate - 2.60%
APRC - 3.01%
Fees & Charges
Third Party Fees and Charges Applied
Third Party Fees and Charges
There may be other charges associated with your mortgage payable directly by you to third parties, e.g. Solicitor Fees, Valuation Fees, Surveyor Fees.
Valuation Fee
€185
Important Information:
Lending criteria, terms and conditions apply. The property is mortgaged to secure the loan. Life and home insurance are required. The maximum loan amount will typically not exceed 3.5 times an individual’s gross annual income. The maximum mortgage is 90% of the property value.