First time buyer receiving house keys
Mortgage approval depends on several key factors that lenders assess before making a decision. Understanding these factors helps you prepare a stronger application.
🏡 Using a mortgage broker allows access to multiple lenders and increases your chances of approval.
Key Approval Factors
- Income and employment stability
- Existing financial commitments
- Credit history and score
- Deposit amount available
Types of Mortgages in Ireland
Fixed Rate
Fixed repayments for a set period — great for budgeting certainty.
Variable Rate
Rate fluctuates with market conditions — flexible but less predictable.
Green Mortgage
Lower rates for energy-efficient homes with a BER rating of B3 or above.
Mortgage advisor explaining documents
TrustPoint Finance helps clients understand borrowing capacity and compare lenders to secure suitable mortgage options.