Secure your new home, whether you’re a first-time buyer or looking to move

Obtain a mortgage to invest in a second property

Understand the Help To Buy Scheme and First Home Scheme

Understand equity release and how it might work for you in later life

Finding you the right mortgage

Whether you are a first-time buyer, moving home or simply wishing to take advantage of a more competitive rate, finding the right mortgage solution is paramount.

What options are available?

The products on offer from lenders are always changing. Fairstone’s mortgage experts understand the complex property market and have the experience needed to identify trends and navigate any difficulties that could arise, ensuring you get the product that is right for you.

What do you need to prepare?

The required documents may vary from lender to lender but usually, you’ll be asked for the following:

  • Bank statements
  • Proof of ID and proof of address
  • Proof of your Personal Public Service Number (PPSN)
  • Credit card statements
  • Proof of income
  • Stamped employment status report


If you’re considering applying for a mortgage in the near future, it would be a good idea to start collating these documents in preparation.

Download Our Mortgage Advice Guide

Helping you to understand:

  • What do you need to prepare
  • How to protect your property
  • The benefits of receiving mortgage advice
Download guide

Mortgage advice - your key questions, answered

How do I repay a mortgage?

You have two options; a repayment mortgage or an interest only mortgage.

With a repayment mortgage you repay both the capital and the interest together in instalments over an agreed period of time. Provided you keep up your repayments, your entire mortgage will be repaid at the end of the term.

With an interest-only mortgage, you pay the interest due but none of the amount you have borrowed. While your repayments will be less than an equivalent-sized repayment mortgage, at the end of the term you still owe the original amount that you borrowed. The remaining capital will be repaid under the conditions outlined by the mortgage lender. You should be aware that very few lenders now offer interest-only mortgages.

How will my mortgage interest rate be set?

You will need to make a decision on which type of interest rate is going to work best for you. Mortgage interest rates fall into two main categories; fixed-rate and variable rate, although there are a number of variations within each of these categories.

A fixed-rate mortgage is set for a particular period of time, and the interest you are charged will stay the same throughout a predetermined fixed rate period.

With a variable rate mortgage, your interest rate can change at any time. This means your payments could rise or fall as interest rates fluctuate.

How do you get a mortgage for new homes?

New build properties can be attractive for many reasons; however, it is important to remember that when it comes to applying for a mortgage, lenders apply different mortgage lending criteria than they do when lending against established properties.

Our team of experienced mortgage advisers understand that only certain lenders will accept mortgage applications for new build properties and will ensure that you only apply to appropriate lenders, saving you time and helping you to secure your new home.

What information do you need to apply for a mortgage?

When applying for a mortgage, most lenders will look for information in relation to your income, employment status, existing loans and spending habits. This helps them to determine whether or not you can be relied on to pay back the loan.

The required documents may vary from lender to lender but usually, you’ll be asked for the following:

  • Bank statements: You’ll be required to provide the lender with your personal bank account statements for the previous six months.
  • Proof of ID and proof of address: Usually these can be in the form of a current valid passport or current driving license and a recent utility bill.
  • Proof of your Personal Public Service Number (PPSN): This is usually found on a payslip, a tax assessment document or correspondence from the Department of Employment Affairs and Social Protection or the Revenue Commissioners.
  • Credit card statements: Usually two or three months of credit card statements are required.
  • Proof of income: If you’re a PAYE employee, you will usually need to provide payslips for the previous three months. If you’re self-employed you’ll need to provide certified accounts, likely for the previous two or three years, and a copy of tax returns from the previous two years.
  • Stamped employment status report: You’ll need to provide an up-to-date employee status report completed and stamped by your employer.

Do I need to protect my property?

A mortgage is the biggest financial commitment most of us make in our lifetimes and it is vital that you are protected should the unexpected happen.

Fairstone’s advisers can help you choose a comprehensive protection package that suits you and your family’s needs.

We can help ensure that, in the event of the worst-case scenario, your home is protected, and you can still meet your mortgage payments.

This could include:

  • Life cover
  • Critical illness cover
  • Cover for long-term sickness

Warning: If you do not meet the repayments on your credit agreement, 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: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed-rate mortgage early.

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