Mortgage

A COMPREHENSIVE SERIES OF ARTICLES ON THIS TOPIC

McGrath calls on banking sector to give more support to struggling mortgage-holders
McGrath calls on banking sector to give more support to struggling mortgage-holders
'With the rapid change in the interest rate environment, industry must engage with their customers to prevent them falling into arrears, Finance Minister said

Thu, 31 Aug, 2023

Mortgage interest relief 'something we will consider', says McGrath
Mortgage interest relief 'something we will consider', says McGrath
Finance Minister Michael McGrath also said he had met with the banks and said they "have an obligation to work in the spirit of co-operation with borrowers".

Sat, 29 Jul, 2023

Estate Agents Signage
Stephen Hamilton: Tracker mortgage customers still have options amid rate hikes
What goes up must come down, as the saying goes, but that may not hold true regarding mortgage interest rates.

Sun, 09 Jul, 2023

Rising prices for real estate
How tracker mortgages turned from Jekyll to Hyde
For years, tracker mortgages were the envy of anyone who didn’t have one, but within 12 short months, things have changed, writes John Hearne

Fri, 23 Jun, 2023

Stacked Removal Boxes In Empty Room On Moving Day
Consumer Corner: Eliminating the stress of buying a first home
Lenders have rules around gross and net income which must be met first before you get approval on a mortgage. These can vary from lender to lender

Wed, 21 Jun, 2023

Government reluctant to reintroduce mortgage interest relief as rates soar
Government reluctant to reintroduce mortgage interest relief as rates soar
A seventh consecutive hike in interest rates in less than a year has piled more pressure on many mortgage holders, as well as thouse looking to buy a new home.

Fri, 05 May, 2023

GERMANY-EU-ECB-BANKING-INFLATION
Scale of European Central Bank rate hike on Thursday goes down to the wire
"'There’s still a narrow path to a 50 basis-point hike," says 'Bloomberg Economics' chief European economist Jamie Rush.

Mon, 01 May, 2023

Home Tax Deduction Mortgage Interest
Stephen Hamilton: Mortgage holders to endure more pain in the short term
Another interest rate hike this week could add more than €600 in annual repayments for those on a tracker mortgage

Mon, 01 May, 2023

Switching drives mortgage growth to record high, report shows
Switching drives mortgage growth to record high, report shows
The rise in switching follows efforts by homeowners to minimise the impact of ECB interest rate hikes, introduced to try and stifle soaring inflation during 2022

Fri, 13 Jan, 2023

Calculator with wooden house and coins stack and pen on wood table. Property investment and house mortgage financial concept
Courts 'too lenient' in pursuing mortgage-holders in long-term arrears
Financial advisor Padraic Kissane said: “It isn’t right you can come and game a financial system to the degree that is happening.” 

Fri, 11 Nov, 2022

Save money for home cost
Department of Finance accused of  'undermining the parliamentary process'
The Department of Finance has been accused of “undermining the parliamentary process” and leaving TDs without “clear information on the consequences of their decisions during the tax policy process” by an independent Oireachtas body.

Wed, 09 Nov, 2022

Architectural equipment at construction site!
Q&A: What paperwork is required when applying for a self-build mortgage?
Presuming you own a site, this is the documentation you need to provide when seeking approval for a self-build mortgage

Fri, 04 Nov, 2022

Christine Lagarde Holds Press Conference Following ECB Governing Council Meeting
European Central Bank expected to hike rates 'by further 1.25%' before year-end
Neil McDonnell, chief executive of business group Isme, said he hoped the banks here wouldn't pass on the ECB hike, adding lenders had the "headroom" to absorb some or all of the half-point increase.

Thu, 21 Jul, 2022

Permanent TSB may absorb initial ECB rate hikes, CEO says
Permanent TSB may absorb initial ECB rate hikes, CEO says
The first transfer of loans from Ulster Bank to Permanent TSB is scheduled to begin in the final quarter of this year

Fri, 24 Jun, 2022

GERMANY-EU-ECB-EUROZONE-BANKING-ECONOMY
Summer rate hikes to add €80 to Irish monthly mortgage payments
European Central Bank meeting tomorrow will set the stage for the first rate hike in a decade

Wed, 08 Jun, 2022

The concept of home ownership and Euro
Remortgaging boom continues as April sees drop in overall approvals
Existing and potential homeowners looking at fixed rates over fears of interest rate rises

Tue, 31 May, 2022

Permanent TSB accept it may compensate customers for denial of tracker mortgages
Permanent TSB accept it may compensate customers for denial of tracker mortgages
A case that came before the Financial Services and Pensions Ombudsman found that a customer had been wrongly denied a tracker rate on his mortgage

Mon, 23 May, 2022

Mortgage repayments could rise by €300 per month
Mortgage repayments could rise by €300 per month
The rise in inflation is hitting consumers hard, with cost-of-living increases being felt across the board, especially in fuel prices, home heating, and basic food items

Fri, 06 May, 2022

House on A Financial Graph
Why Ireland has limited fixed interest mortgage rates
Long-term fixed mortgage rates have only become available in Ireland since October from Avant Money and Finance Ireland

Sun, 13 Feb, 2022

Housing stock
Soaring house prices could see thousands eligible for lower mortgage rates
Soaring house prices in the past two years mean thousands of recent homebuyers are unexpectedly eligible for lower mortgage rates, it has been claimed.

Mon, 07 Feb, 2022

Mortgage drawdown values reach highest levels since recession
Mortgage drawdown values reach highest levels since recession
Economist Jim Power said there will need to be 40,000 new houses on the market every year for the next few years

Wed, 26 Jan, 2022

House key with keychain in hand. Background of sky, sunlight and field. Dream of home, building a cottage in countryside, plan a
Legal Advice: What legal fees should we expect for our first rural home?
Buying your first home can be both an exciting and stressful time in your life.

Tue, 25 Jan, 2022

Mica homeowners
Mortgage to rent relaxation will see more people in arrears stay in their homes
A relaxation of limits on a mortgage to rent scheme for people in arrears will see more individuals and families being able to stay in their homes. The State scheme has been expanded to allow more people to use it.

Mon, 24 Jan, 2022

Thursday TV Tips: A barrister, a GAA player and makeup artist on First Dates
Thursday TV Tips: A barrister, a GAA player and makeup artist on First Dates
— and Derry Girls star, Jamie-Lee O'Donnell, as a prison officer in Screw; plus negative equity and mortgages discussed on How to be Good with Money

Thu, 20 Jan, 2022

Permanent TSB fined 21 million euros
'Tell PTSB to end cashback mortgages' before go-ahead to take €7.6bn loans from Ulster Bank
The CCPC is involved in an unprecedented activity into Irish banks after both Ulster, the No 3 general lender, and KBC, a significant mortgage bank, announced plans to exit Ireland

Mon, 10 Jan, 2022

Christine Lagarde Holds Press Conference Following ECB Governing Council Meeting
ECB holds the line as Bank of England delivers surprise rate hike      
The ECB action will help ensure that the borrowing costs for Irish households remain unchanged at low levels for some time to come

Thu, 16 Dec, 2021

Credit Unions facing 'significant' risks and challenges, Central Bank warns
Credit Unions facing 'significant' risks and challenges, Central Bank warns
The Central Bank said there is still a heavy dependency in the sector on unsecured personal lending

Tue, 14 Dec, 2021

New homes figures
Slump in planning permissions raises alarm of worsening housing crisis
It had been expected permissions would have increased significantly this year, given the country was in lockdown over long periods in 2020

Fri, 10 Dec, 2021

House and rent prices
Central Bank: 100,000 home mortgages owned by vulture funds or sub-prime lenders
They also control over two-thirds of all the home mortgage accounts in arrears for over one year

Thu, 09 Dec, 2021

New homes figures
10% surge in yearly British house prices a further warning to outlook in Ireland
Tough competition between UK lenders had brought the effective rate on new mortgage lending down to around 1.6% in October

Wed, 01 Dec, 2021

Ulster Bank in Ireland
Experts urge Paschal Donohoe to put costly mortgages at centre of banking review
The Government is being urged to make the bad deal customers are getting from home loans, and cash-back mortgages in particular, the focus of a pending year-long review into the troubled state of Irish banking.

Wed, 17 Nov, 2021

Permanent TSB shares soar even before exit of mortgage rivals Ulster Bank and KBC
Permanent TSB shares soar even before exit of mortgage rivals Ulster Bank and KBC
AIB has also said it has appointed Jim Pettigrew as its new chair of the board

Thu, 28 Oct, 2021

House building
Quarter of mortgage approvals 'struggle to secure new home purchase'           
Davy said €11.4bn in mortgage approvals in the 12 months to August 21 could result in only €8.4bn worth of drawdowns.

Fri, 08 Oct, 2021

Mortgage application loan agreement and house key
Competition concerns persist as Ireland back to having highest mortgage interest rates in eurozone
Portugal and Finland charge the lowest mortgage rates, at just 0.8% and 0.71% respectively

Wed, 08 Sep, 2021

Architect designing a commercial building
Added land value will be shared with the State
Under the new 'land value sharing' initiative, the State will secure a portion of the increase in market value of land after rezoning

Thu, 02 Sep, 2021

Mortgage application loan agreement and house key
Mortgage approvals rise to €13.2bn over last 12 months
The latest figures mean that 53,511 residential mortgages were approved in the 12 months to the end of July. 

Fri, 27 Aug, 2021

FLAC wants mortgage arrears cases to be resolved away from the courts
FLAC wants mortgage arrears cases to be resolved away from the courts
The report also refers to "large numbers of properties" owned by “cuckoo funds” which have been the beneficiaries of generous tax treatment from the State

Wed, 18 Aug, 2021

Dublin Stock
Homeowners paying more than €4,000 in extra mortgage repayments every year
This is an increase of €657 over the past 12 months with a monthly saving of up to €135 for every €100,000 owed on a 25-year mortgage for those who do switch

Mon, 09 Aug, 2021

DBRS: BoI and AIB will increase their dominance as five banks shrink to three in Republic
DBRS: BoI and AIB will increase their dominance as five banks shrink to three in Republic
DBRS said AIB had net loans in the Republic of €48.6bn, of which €17.4bn were loans to corporates and SMEs

Mon, 24 May, 2021

Mortgage application loan agreement and house key
Finance Ireland aims to grow 'significantly' as it launches 20-year fixed rate mortgage loans
Finance Ireland — the lender that started selling residential mortgages less than three years ago — said it aims to grow "significantly" to win as much as 15% of the home-loans market, as it launched a 20-year, fixed-rate mortgage for the first time.

Thu, 13 May, 2021

Mortgage application loan agreement and house key
Costs of mortgage interest stand out with rise of 1.9% during Covid period
Other types of housing costs have continued to fall in that period, according to the latest Consumer Price Index. 

Thu, 11 Mar, 2021

Mortgage application loan agreement and house key
Mortgage lenders push back against automatic payment breaks during lockdown
A senior mortgage broker said borrowers will not have the time to apply for a mortgage break on an individual basis

Thu, 07 Jan, 2021

Housing stock
Applications for mortgage exceptions expected to surge to record levels
Mortgage approvals hit record high levels in November, up 24% on the previous year, as applicants who had delayed buying decisions entered the market.

Tue, 05 Jan, 2021

Mortgage application loan agreement and house key
'Too much cash chasing too few homes': House price inflation surges to more than 6%
Prices already increased by 6% in the last year, with analysts expecting this trend to continue in the coming year. 

Tue, 05 Jan, 2021

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Mick Clifford
Mick Clifford

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