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  • Comprehensive information on borrowing costs, stamp duty and property tax
  • Tips on dealing with builders and solicitors

permanent tsb has published a simple 12 step guide for First-Time Buyers as part of its plans to increase significantly the bank’s new mortgage lending capacity this year.

“Mortgages: a modern guide for the First-Time Buyer” will provide key information to people seeking to buy their first home.

The 12-step guide provides information on

  • Identifying how much you can afford
  • Costs associated with buying your home
  • Finding the right home
  • Making an offer
  • Choosing a solicitor
  • Applying for a mortgage
  • Property valuation
  • Getting a letter of loan approval
  • Exchanging contracts
  • Getting home insurance and life cover
  • Preparing to move house
  • Collecting the keys

The guide also contains practical tips for homebuyers on choosing the right home; furnishing and decorating their new property; and dealing with builders, tradespeople and solicitors.

Other features include a jargon-busting glossary that explains banking and legal terms and a ready-reckoner to make it easier to calculate stamp duty and property tax.

Commenting on the publication of the guide, Richard Kelly, Head of Mortgages at permanent tsb said:

permanent tsb plans to re-establish itself as a competitive player in the mortgage market. We want to make it as easy as possible for First-Time Buyers to own their own home and, we would encourage anyone thinking of buying their first home to read this guide and talk to us about a mortgage.

The guide is available by phoning 1890 500 141 or by calling into any permanent tsb branch.

permanent tsb offers mortgages of up to 90% of the value of a property over terms of up to 35 years.

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