Mortgages
Mortgages
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, we will guide you through the process.
You must have a deposit available for the purchase price and also have available funds to cover stamp duty and legal fees.
Fees:
We use a dedicated Mortgage system for our clients, we will charge you a fee for this online system of €30. The system allows you to upload your documents directly to us, saving you time in your mortgage process. Payment will be collected (through Stripe) on the system itself. Anita Cambie Financial Limited T/A Anita Cambie Financial is regulated by The Central Bank of Ireland Reg No. 565438. Directors: Anita Cambie. 6 St. Andrews Terrace, Newtown Road, Waterford, X91 YW84 Tele: 051-821774 / 086-3263184. Email: info@anitacambie.ie Website: www.anitacambie.ie
If by investing in sustainable investment products there are any differences in charges etc., we will advise you of this in advance of advising you on your investment.
Expats Mortgage *
Are you Irish and living abroad. Are you looking to move back to Ireland. If so Irish residents can apply and secure a mortgage for a property in Ireland without being present in Ireland. We look after all the process and guide you in the application process.
*Fees may apply for Expat mortgages
First Time Buyer:
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances , please contact Anita Cambie Financial Limited or apply on line and we will guide you through the process.
Please read the current typical lending criteria below.
You must be in secure permanent employment or if self employed you will have to be well established and be in a position to show 2 years audited accounts.
You must have a deposit available for the purchase price and also have available funds to cover stamp duty and legal fees.
You should have a good credit history and should be able to demonstrate through previous savings/rental payments that you have the ability comfortably afford the proposed mortgage repayments. If you are currently paying rent it is beneficial to show the rent paid by direct debit from your account.
Unnecessary or large credit cards balances and personal loans could work against your application.
Please note the above is a guide only and is not written in stone, each application will accessed on its own merits
Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
Remortgage:
Opportunities exist for switching to a cheaper lender, providing that you meet the following current lending criteria.
The criteria is typically as follows:
The maximum mortgage cannot exceed 80%of the current value of your homeIf you are consolidating short term loans as part of your re mortgage, the value of these loans cannot exceed 40,000, typically credit card debt will not be consolidated.
Normal lending criteria will apply in regard to security to employment, clean credit history and well managed current accounts.
Re mortgage now and you could save on your mortgage overall.
WARNING ON DEBT CONSOLIDATION
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 the shorter term
Mortgage terms should be kept as short as possible, consistent with your repayment means.
Warning: you may have to pay a charge/penalty if you pay off a fixed- rate loan early. If you are considering re mortgaging from your current provider please ensure that there are no exit penalties.
Moving Home / Trading Up
Secure employment.
Good Credit History good repayment history on previous mortgage
Strong current accounts
If the proposed mortgage repayments are higher that your previous mortgage, you must show the ability to pay the difference .
You must show that you have the equity/savings available to cover the deposit, cover the associated costs i.e. Stamp duty the legal fees for the sale of the previous property and the purchase of new home and auctioneering fees.
Ensure that there is no penalty to exit your existing mortgage
Warning: Your home is at risk if you do not keep up payments on a mortgage or any loan secured on it.
Mortgages
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, please contact Anita Cambie Financial and we will guide you through the process.
Income Protection
An income protection insurance policy protects against the loss of your ability to earn money due to illness or disability .An income protection policy gives you the comfort of knowing that if your income ceases you will still have a source of income
Life Insurance
Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy.
Expats Mortgage
Are you Irish and living abroad. Are you looking to move back to Ireland. If so Irish residents can apply and secure a mortgage for a property in Ireland without being present in Ireland.
Serious Illness
Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be refered to "critical illness cover".
House Insurance
There can be considerable differences between policies in terms of what they exclude and the extras included. When you buy insurance, it is important to remember that the policy offering the lowest premium is not always the best.
Personal Attention
A referral remains the highest compliment we can receive. If you know of someone who could benefit from our advice we would be grateful for the introduction.
Contact Us
Have a questions about your finances? We are happy to help. Use the contact form below and one of our team shall respond to your message.
Mortgages
The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, we will guide you through the process.
You must have a deposit available for the purchase price and also have available funds to cover stamp duty and legal fees.
Life Insurance
Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy. The cover is either whole of life or for a specific term.
Your age, health, smoker status and family medical history will affect your eligibility and the cost.
Serious Illness
Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be referred to "critical illness cover".
It is often sold as an extra benefit on life insurance or mortgage protection policy but can also be sold as a separate policy.
Testimonials
“Anita Cambie Financial came recommended to me from the some of Waterford’s estate agents and getting her help was the best move I made as regards my first mortgage application. Anita knows her stuff inside out and there was no enquiry too big, small or unusual no matter what time of the day we spoke. She was extremely professional and down to earth throughout the whole process and talked me through everything, and anyone I’ve recommended her to have had the same experience. Cannot speak highly enough of her.“
Robert McDonald
“Anita has dealt with my mortgage for a number of years now, starting from the initial draw down, and now with switching my mortgage to a new provider. Anita was available to take the call even outside of regular working hours, explain what state the process is on in plain English, what the next steps are and most importantly, Anita dealt with lots of administrative issues in a transparent way. I have recommended Anita’s services to several of my colleagues and would warmly recommend her again without any hesitation.“
Dalen Kambur
“My wife and me are absolutely delighted with Anita s service. We are really impressed with the personalised professional service and financial advice given to us. I have no hesitation in recommending Anita services to any of my friends and family“