Moving House

Planning to move to a new home? We’re here to simplify your mortgage journey! Our expert mortgage brokers understand the unique needs of homeowners looking to relocate. We can help you find the best mortgage solutions to make your move seamless and stress-free. Let’s get started on your next chapter!

How can we help?

We can research the market for you to find the right mortgage deal for you at best possible rate

We can offer clear, concise advice as we guide you through the step-by-step process

Provide you with a clear outline of the options available so you can make the choice that’s right for you

We can approach some of Ireland’s top lenders on your behalf, so you don’t need to make multiple applications

Provide a one-stop-shop for all your Financial Planning needs, from Life Cover and Mortgage Protection to you pension, savings and investments.

Hear what some of our lovely clients have to say about their experience

“Myself and my husband were trying to remortgage and move up the property ladder. Ross talked us through options and helped with the application and was able to secure us enough that we could afford our new family home. Very helpful and knowledgeable. ”

Elaine Ryan,

Executive Officer, Dept of Agriculture

The Application Process

Step 1

Fill out our online form

Step 2

We’ll review your options

Step 3

We’ll talk you through your options

Step 4

Enjoy 100% of your savings!

Common Queries & FAQ’s

How much of a deposit do I need?

It’s a proportion of the house value, so the deposit amount will depend on the price of the property you want to buy.

In Ireland you’ll need a deposit of at least:

  • 10% if you’re buying your first home
  • 10% if you’re a second time buyer
  • 30% if you’re buying a property to rent out

What is a fixed rate mortgage?

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.

What is a variable rate mortgage?

A variable rate mortgage is a rate that can vary during the life of the mortgage. If interest rates rise, the monthly payments will increase.

What does LTV mean?

LTV stands for ‘loan to value’, which simply means how the size of the loan compares to the overall value of the property. For example, if the property value is €200,000 and the loan is for €150,000, then the LTV is 75%.

What is a Mortgage Broker?

It is a mortgage broker’s job to make your home buying journey as stress-free as possible. We have access to a wide range of lenders and will help you choose the best deal for your situation. We will liaise directly with the lender on your behalf and be with you every step of the way until you get the keys to your new home.

How do I start the application process?

If you would like to start your application or just want to more about the process you can contact our mortgage team on the below.
Call our Mortgage Advisor, Ross Gaynor, on: 087 922 9627
Email our Ross directly at: ross@ipf.ie.

Mortgage T&Cs

Warning: If you do not keep up your repayments you may lose your home
Warning: 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: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
Warning: The cost of your monthly repayments may increase.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.