Avant Money Mortgages

    Saving the deposit: Start your mortgage journey by saving for your deposit, a crucial first step.

    Determine your budget: Understand what price range you can afford as a first-time buyer, switcher, or home mover. You can use our handy calculators.

    Find a home: While you’re saving for your deposit and have your budget established, you can start searching for the perfect home, preferred locations and ideal type of property.

    How to apply: You have the choice to apply directly with Avant Money online or with one of our network of brokers.

To streamline the mortgage approval process, follow these steps:

    Register for the Avant Money mortgage hub: The mortgage hub is a unique one-stop-shop for everything you will need to assist you in securing your new home or simply switching your mortgage to us.

    Complete your application: You’ll start by telling us a little more about you, you can start and stop at any stage, filling in the information we need to get your application moving whenever it suits you. Easily upload the necessary documents to our secure system for a quick and efficient review. This ensures that your application progresses in a timely manner.

    Approval in principle: Once we receive your application, it normally takes 2 working days for us to review your details and provide a decision. If approved, we will send you an Approval in Principle letter, which will outline your next steps.

To proceed with your mortgage application, follow these important steps:

    Arrange a valuation:Schedule an independent and professional property valuation with our partner vmsireland.ie. This valuation serves multiple purposes, including assessing the market value and condition of the property.

    Engage a solicitor: Solicitors play a crucial role in the mortgage process by offering expert guidance on the legal requirements of purchasing a home. They will help ensure that all the necessary legal checks and documentation are completed accurately and efficiently.

    Provide any further documents: As outlined in your Approval in Principle letter.

Before you can draw down the mortgage itself, you’ll need to complete:

    Conveyancing: The conveyancing process is an essential step that your solicitor will undertake on your behalf. It involves legally transferring ownership of the property and ensuring that all legal requirements are met. Work closely with your solicitor and review all necessary documents to ensure a successful closing.

    Arrange life insurance: Provide us with a mortgage protection policy covering yourself (and any co-applicant).

    Secure home insurance: As you approach the final stages of securing your mortgage, it's essential to obtain home insurance coverage.

    Set up direct debit: As closing approaches, you will need to set up a direct debit. This allows for easy and convenient monthly mortgage repayments and peace of mind.

    Drawdown: Congratulations! At this stage, all your hard work pays off. Once everything is in order, we will transfer the approved mortgage funds to your solicitor.

Congratulations! You now have your new mortgage with Avant Money. Whether you're now enjoying the certainty of our One Mortgage where your repayment is fixed for the life of the loan, one of our fixed term rates, we're delighted that you chose Avant Money for your mortgage.

    Get the keys and move In: Receive the keys to your new home and celebrate this moment. Take the time to settle in and make it your own.

    First repayment: Approximately one month after moving in, your first mortgage repayment will be due. This payment will be automatically deducted via direct debit, ensuring a convenient and hassle-free process for you.

    Keep in contact: Our dedicated team is here to support you throughout your mortgage. Should you have any queries, concerns, or want to explore additional benefits available for existing customers, don't hesitate to reach out to us.