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  • Business & Corporate Insurance
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Personal Insurance

We offer a wide range of different insurance policies. Our team work hard to compare insurance policies with many different insurance providers to make sure that we find you suitable cover at a competitive price

Financial Planning

Are you thinking about your pension and retirement plan? Do you need advice with your savings and investments? Are you applying for a mortgage? If so, we can help!

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Mortgages

Mortgages don’t need to be so complicated. That’s why our aim is to simplify the mortgage process while working to get you the best deal.

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About Us

Hastings Insurance is an Irish, family-owned insurance broking company operating in eight branches in Ballina, Claremorris, Castlebar, Dublin, Galway City, Sligo, Tuam and Westport.

Mortgage FAQ's

Mortgages don’t need to be so complicated. That’s why our aim is to simplify the mortgage process while working to get you the best deal.

How much can I borrow?

The amount you can borrow varies depending on individual circumstances. Generally, it is
based on your income, savings, and repayment capacity:

  • Income: First-time buyers can typically borrow up to 4 times their annual salary, while second-time buyers can borrow up to 3.5 times their salary.
  • Savings/Deposit: You’ll need to have at least 10% of the property’s value saved as a deposit. Additionally, it’s important to budget for other expenses like legal fees, stamp duty, and more.
  • Repayment Capacity: You must demonstrate your ability to repay the mortgage. Our mortgage advisors will review your income and spending over the past six months to
    assess whether you can comfortably meet repayment requirements.

Most mortgages in Ireland have a term of 20 to 30 years, though shorter and longer terms are also available.

Simply speak directly with one of our mortgage advisors by calling 098 51615.

You’ll need proof of ID, proof
of address, proof of income, savings records and bank statements for the last 6 months.

Approval times vary, but it typically takes 2-4 weeks once all documents are submitted.

couple smiling holding keys to their house
Key with house keyring attached

Payments & Rates FAQ's

What's the difference between fixed and variable rates?
  • Fixed rates remain the same for an agreed period, offering stability.
  • Variable rates can fluctuate, which might result in lower or higher payments
    depending on the market.

Yes, but early repayment fees may apply depending on your mortgage agreement. Check with our team for details.

Yes, mortgage switching is common in Ireland. It can be a great way to secure better rates or terms. Contact us to explore your
options.

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Need More Help?

If you have any additional questions, don’t hesitate to get in touch. Our team is here to provide the answers and support you need to make informed decisions.

Ready to start your Mortgage journey? 

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