Mortgages

ECB rate cut: what’s in it for me?

Q&A: Latest fall in interest rates will save tracker mortgage customers €33 a month per €100,000 balance on their loan, but other borrowers may have to wait to benefit

Overseas cash buyers snap up bargain apartments that first-time buyers cannot get because of defects

Banks are refusing to approve mortgages for apartments in Ireland with even minor defects - which is shutting out first-time buyers

Many Irish homebuyers paying a minimum of 10% above asking price amid ‘intense competition’

Bank of Ireland highlights competition for homes as property continues to suffer from undersupply

Financing your new home: The grants worth thousands, cheapest mortgage options and should you really go for cash back?

And make sure to watch out for budget day next Tuesday, as you can expect some announcements on the housing front

Main cost-of-living price rises have cost some households €8,000 a year since 2021

Tax cuts and once-off measures in recent budgets, and wage increases for some, have offset a portion of these costs

Proportion of Irish homes in mortgage arrears at lowest level since the end of 2009

Just 39% of residential mortgage accounts in arrears in June held by banks, with the rest held by non-bank entities, Central Bank says

Tracker mortgage holders to save up to €1,000 per year with double interest rate cuts

The ECB is expected to cut interest rates today and also make a second, technical change to rate used to price tracker mortgages

What does the expected ECB interest rate cut mean for Irish mortgage holders?

The European Central Bank is likely to cut rates by 0.25 percentage points on Thursday

Mortgages arrears review calls for lifting of €3m ceiling for insolvency deals

Report published by Minister for Finance notes there are still about 20,000 accounts behind on payments

Mortgage approvals rebound in July as first-time buyers drive activity

Approvals rose 18.6% in the month, supported by revival in loan-switching activity as some homeowners reach end of fixed-rate periods

Loans issued for home purchase fall 6% over past year as borrowers await ECB rate cuts

Average interest rate charged on new fixed-term mortgages falls after ECB cut in June

Buying a home on your own: Here is how to navigate the perils and pitfalls

More and more home buyers are single. Here are the things to watch for if buying solo

Pepper names former Anglo Irish banker as chief executive

Niall Sorohan is currently chief executive of Cabot Ireland

Bankinter’s Irish loans rise 41% amid plans for bank branch

Spanish lender’s Irish unit saw its pretax profit jump 20% to €20m in the first half of year

House price inflation jumps to 8.2%, new figures show

Latest barometer shows Dublin prices rose an average rate of 8.6% in 12 months to May this year

Number of home buyers opting for fixed-rate mortgages drops

Central Bank’s latest retail interest rate figures show fixed-rate contracts constitued two thirds of mortgage contracts agreed in May

From stay and spend to the domicile levy, some budget blunders for Jack Chambers to avoid

Our new Minister for Finance would do well to reflect on previous policy initiatives before delivering his first budget

Irish housing crisis: Increased supply will not help affordability

Inside Business podcast with Ciarán Hancock

Generation rent: Here’s how ‘forever renters’ in Ireland can look to secure their financial futures

It’s important to realise that owning your own home is not the only way to secure your financial future

Pay off your credit card, invest in your pension - here’s what you can do with your monthly mortage savings

Paying off credit card debt, topping up your pension or saving for a rainy day are among the options for mortgage holders who find they now more money in their pockets following the recent ECB rate cut

Switching rate increases for mortgage borrowers at non-lending service firms

Central Bank-published study finds rate at which lower-risk borrowers are leaving non-lending service firms has been higher than the switching rate away from retail banks in recent months

Mortgage rules spark war of words between Central Bank and ESRI

ESRI claims regulator’s move to relax rules has fuelled house price growth and lifted loan-to-income ratios back to Celtic Tiger levels

Irish mortgage rates fall marginally in April

Interest rates attached to home loans are expected to fall over the coming months as ECB reduces headline rates

Alarming letters and hoop jumping over paltry sum not actually owed to PTSB

Dublin couple told by mortgage lender their home was at risk over sum of €20.33 it claimed was owed

Central Bank chief wants lenders to ‘respond’ to ECB rate cut

Gabriel Makhlouf reiterates that ECB has not decided on future interest rate reductions

ECB rate cut emboldens nonbank mortgage lenders to return from the cold

Nonbank lenders are targeting niche markets as banks still hold whip hand on the most competitive interest rates

ECB rate move welcomed but across the board mortgage rate cuts are unlikely

Several mortgage lenders cut their fixed rates in advance of well-flagged move

ECB rate cut: What it means for you and what might come next

Interest rates are now falling from what were record levels for the ECB but how far and how fast will depend on wider EU economy

ECB cuts interest rates by 0.25 percentage points after two years of hikes

European Central Bank makes first move lower interest rates after hiking them 10 times since 2022

Interest rates will remain high, even as the ECB starts cutting

Borrowers should not expect to see ultra low rates any time soon, regardless of today’s rate cut

Lone Star’s Start Mortgages completes transfer of €2bn of loans to Mars Capital

Move sees management of 11,000 mortgages move to Mars Capital Ireland

Irish mortgages start-up Nua to go live with initial brokers within weeks

Non-bank lenders have begun to emerge as a competitive force this year as their funding costs have eased

What’s the right mortgage protection for you?

Age, illness, cost and the potential to switch are all factors to consider when looking at options

Mortgage approvals rise 14% in April with first-time buyer loans growing fastest

Value of mortgages increases 18% year-on-year as data hints at ‘positive pipeline’ for first-time buyers, says BPFI

Rise of the mortgage into your 80s has pros and cons

Almost half of first-time buyers in the country are over 35, compared to fewer than one in five 20 years ago

The savings on the table for canny mortgage switchers are massive

Homeowners could be paying up to €7,800 more than they need to every year by sticking with their current lender

Mortgage rates hit highest level since August 2017

Interest rates may be close to their peak ahead of an expected ECB cut next month

Switching your mortgage: Incentives are on the rise, so is now the time to change?

Homeowners need to balance the allure of enhanced cashback offers against the rates of offer and the prospect of cuts in the months ahead

Mortgage drawdowns decline amid shortage of second-hand homes for sale

A decline in mortgage switching activity is ‘largely’ to blame for drop-off in approvals, says BPFI

Should we buy a city apartment for now or a house in a commuter town for the future?

Property Clinic: We are first-time buyers and plan to grow our family in the next three to five years

Is Dublin still an option for first-time buyers?

People who grew up in the capital used to be able to live within reach of family, but for many that ship has sailed

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