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Refinance or Switch to meet your goals

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MOVING HOUSE OR TRADING UP

Buying a new property while selling your existing home can be a stressful time. To help you, we can
ease the worry of getting a new mortgage while you can devote your time to making the big move!
If you are moving or trading up, that’s often a great opportunity to review your current deal, as lenders can
offer competitive mortgages for movers. If you are moving home, you may be able to take your existing
mortgage with you to the new property, or you can get a new one. Getting a moving home mortgage could
give you a better deal, but if you are leaving your old mortgage before its expiry, you might have to pay
penalties. This will all depend on your own personal financial situation. A chat with one of our brokers will
help you decide.

With any residential mortgage, the home must be used as a residence by the borrowers, not rented
out to tenants or used for commercial purposes. Mortgage providers will offer fixed or variable rates
of interest and we can advise depending on your personal circumstances. There are important
considerations around budgeting for a cash deposit which all banks will require and these need to
be factored into any property purchase decision. Again, we are here to help you plan for that.

Want to know more

Seaspray Mortgages offer a wide range of products to suit our clients needs. To learn more, please submit your details, and one of our trusted advisors will contact you.

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Regulations

See regulation statement on each Service page.

SUSTAINABLE INVESTING

We will consider adverse impacts of investment decisions on sustainability factors in our investment and insurance-based Investment advice.
We will gather your preferences of Sustainable Investing and build them into our Statement of Suitability for you. Ultimately, it is the Product Producers we have agencies with that build the Investment Products we advise on, and it will be their documentation we are relying on when advising you on Sustainable investments. All information re Sustainable Finance Disclosures will be adhered to by the Product Producers and their brochures and documents will outline their disclosures.

Seaspray Financial Services Ltd  is regulated by the Central Bank of Ireland.

Warning – If you do not keep up your repayments you may lose your home.
Warning – You may have to pay charges if you pay off a fixed-rate loan early
Warning – If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future
Warning – The interest rate on your loan may be adjusted by the lender from time to time. The cost of your monthly repayments may increase as a result.
Warning – If you have an interest-only mortgage the entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

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