Advice, Mortgage Advice & Expertise for Second-Time Buyers

Sherry FitzGerald Mortgages

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Trading up or moving on

You have been through the mortgage process before and you know it can get complicated and time-consuming.

In recent years, the market has changed and the amount of options has increased significantly. The Central Bank’s new rules also have an impact on much you can potentially borrow. As a mortgage broker with no ties to any one bank or lender, we’ll work for you and help you take that next step on the property ladder.

At Sherry FitzGerald Mortgages, we’re here to make sure you get the best deal and do the hard work on your behalf.

Mortgage Calculator

First time buyer Yes No

New home Yes No

Loan Amount (€)

Interest Rate

Loan Term (years)

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Monthly Repayments

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*Household Salary Required

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This calculator is for illustrative and guidance purposes only.

The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions.

The limits applied can vary so it is important to contact us to discuss your options.

*Exceptions above 3.5 times income are potentially an option subject to availability and lending criteria.

For full terms, please click here.

Above illustration based on 3 year fixed rate of 2.35% (APRC 3%)

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Illustrations are based on a 3 Year Fixed rate of 2.35% (APRC 3%) This rate will revert to the standard variable rate which is currently 3.15% (APRC 3.2%) after 3 years.
Maximum Loan to Value (LTV) 90%
Central Bank deposit rules require a minimum deposit of 10% for First Time Buyers & a minimum deposit of 20% for second and subsequent buyers (not applicable for Switcher mortgages)
New customer business only
With the Help to Buy Scheme for First Time Buyers of new houses, a tax rebate of up to 10% (subject to an upper limit of €30,000) of the purchase price is potentially available on properties costing €500,000 or less. (Revenue Terms & Conditions apply)
First Time Buyers of second-hand houses will need to fund the 10% deposit themselves
Rates correct as at 31.05.2022

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: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.

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.

Mortgage Insight DAC t/a Sherry Fitzgerald Financial Services, Sherry FitzGerald Mortgages is regulated by the Central Bank of Ireland.

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Our Sherry FitzGerald Mortgages division can give you expert financial advice at every stage of your property process. From mortgages and life insurance to investments and pensions, and more, we’re with you every step of the way.

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