Mortgages from Núa

Mortgage brokers, also known as intermediaries, can help you find the best mortgage rates and support you through the application process.

A broker can help you:

• Find out how much you can borrow based on your financial situation and calculate mortgage costs from different lenders
• Access a wide range of lenders and mortgages and compare mortgage deals to find the best mortgage for your financial situation
• Help you prepare the documents you need to support your application, check your paperwork and track the progress of your application
• Communicate directly with the lender and help with any problems or delays so your application runs smoothly
• Advise on other financial products you need with your mortgage such as life or home insurance

You can learn more about mortgage intermediaries in our guide: Should you use a mortgage broker?

The amount you can borrow depends on several things, including rules set by the Central Bank of Ireland and other factors such as your income and property cost.

Briefly, if you’re a first time buyer, the amount you can borrow is capped at four times your sole or joint annual income. Movers are limited to 3.5 times their gross annual income. This is known as the Loan to Income (LTI) limit.

Your mortgage is also subject to a 90% Loan-to-Value (LTV) limit. This means you must provide a minimum of 10% of the property value as a deposit.

To learn more about mortgage lending and get an estimate of how much you could potentially borrow, use our mortgage calculator.

Núa Mortgages is a financial services provider regulated by the Central Bank of Ireland, which means the firm is subject to two sets of regulations that protect you when you buy a financial product or use a service.

1. Prudential regulations are in place to make sure firms are financially sound and safely managed.
2. Conduct of business rules are there to protect you when you buy a financial product or service.