If you are considering buying a home in the near future, through Armstrong Anderson (or anyone for that matter), we are here to help! With the introduction of the new mortgage lending rules there is now even more to consider before putting in that all important offer to your dream home!
Richard Armstrong, who is the mortgage and insurance specialist, with Armstrong Anderson and based in Ballyhackamore, will be happy to guide you through the entire process, from a free initial consultation so you can get a feel for what is required, right through to helping you deal with the legal side and finally moving into your new home.
Find out how much you can actually afford, now and in the future: Its much better finding out what is within your ball park affordability before you decide to bid on something you cannot afford. Mortgage lenders these days stress test your repayments against your ingoing's and outgoings to ensure you have the means to pay now and in the future, especially with interest rates expected to rise. Richard will send you away after the first meeting with you knowing exactly what you can afford.
You need to prove your ability to repay your debts: Even a small hiccup on a late credit card payment can cause difficulties. You need to clear debt in a timely manner and getting a mortgage these days, good credit is key!
Insuring your future: You can never take your current financial situation for granted. Safeguarding your family against future occurrences is key in the house buying process. Having the right insurance in place to protect your family's lifestyle and protecting your debt should the worst happen, is one of the biggest parts of moving home.
To avail of a free consultation with Richard about anything to do with the house buying process, mortgages or Insurances please do not hesitate to contact Armstrong Anderson, or contact the mortgage desk on their direct line 02890 471401.
Richard Armstrong has been in Financial Services for over 10 years, having joined his parents IFA firm after his studies.
He had a stint as a personal trainer and Aerobics instructor before joining the family business in 2003, first of all as the office dogsbody, then concentrating on selling properties abroad before settling on the Mortgage administration within the firm.
He now runs his own Mortgage business 'Armstrongs Mortgage Services' and is a partner in the newly formed Estate Agency 'Armstrong Anderson', heading up and looking after all the financial aspects of buying / selling a house.