Just contact us and we’ll gather the information required to see how much you can save. We’ll then find the best rates and value for money and send you a free no obligation report.
Nobody wants to pay more for anything than they need to. Whether you are a first-time buyer are on a variable rate or you’ve already fixed, there are great deals to be had.
Why switch lender now?
Mortgage rates have continued to fall this year resulting in more competition within the Irish market, but given the current economic climate we may be witnessing the bottom of the rate cycle, so now could best time to consider a switch or re-mortgage.
Shopping around, either with your existing lender or by switching to a new one, will ensure you are on the best rate. At Southeast Mortgages, we can advise you whether you are paying over the odds.
How do I switch?
Reviewing your mortgage is ideally something which should be addressed as regularly as any fixed rate term allows, even if you are on a variable rate. New deals and increasingly lower rates are currently available across the main banks allowing for great potential savings.
For example….
Mortgage of €150,000
Property Value €250,000
Term 25yrs
Standard variable rate 4.5% 4.59% APR
In the above example, switching mortgage provider to a much more competitive rate 2.25% 2.83% APR would save €180pm with a total saving of €53,865 over the term (plus €3,000 cashback). If your mortgage is larger, you’ll save even more.
Switching your mortgage is straightforward. It requires a little work but at Southeast Mortgages, we will help you through each stage. Further good news is that the Central Bank has strict codes in place to make switching these products easier than ever!
And while you’re switching mortgage, we might be able to get you cheaper mortgage protection too.
Life Cover, Illness Cover, Mortgage Protection and Income Protection
We also advise everyone to review their various insurance covers. We find at our client review meetings that we can normally save you money and increase your cover.
If you’re an ex-smoker who’s been off cigarettes for over 12 months, you can apply for new cover either with your current provider or a new provider on non-smoker rates. These rates are often half the price a smoker is charged. So, if you’ve given up smoking for over a year, now’s an especially good time to review your cover.
These are just some of the area where we can help you make and save money. For more see www.sefs.ie
SEFS LTD t/a Southeast Mortgages & Financial Services is regulated by the Central Bank of Ireland
Warning: If you do not keep up your repayments you may lose your home.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed–rate loan early.
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.