Second time buyers

Also referred to as non-first time buyers or second and subsequent buyers (SSBs). We will help you to understand your options and to find a mortgage that’s right for you. Key considerations include:

  • How much can I borrow?
  • How much of a deposit do I need?
  • Loan to value (LTV) exceptions.
  • Can I retain my current property to rent out?
  • Do I need to be sale agreed on my house before I go sale agreed on a new property?
  • Fixed rates versus variable rates.
  • Retaining my tracker rate.
  • Flexible overpayments during a fixed term.

Contact us now to schedule an appointment to discuss your circumstances and requirements.


  • Can I avail of the Help to Buy scheme?

    If you have purchased a property in the past either in Ireland or abroad you can not avail of the Help to Buy scheme.

  • What is a Variable Rate mortgage?

    A variable rate allows you to increase your repayments, use a lump sum to pay off all or part of your mortgage or re-mortgage without having to pay any fixed rate breakage fees. However, because variable rates can rise and fall, your mortgage repayments can go up or down during the term of your loan.

  • What is a Fixed Rate mortgage?

    With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.