IMS Financial Clonmel

17/01/2024

You are just one click away from making that dream home a reality https://imsfinancial.creditlogic.io/register

21/12/2023

Our Offices will be closed from Friday 22nd December 2023 until 3rd January 2024. Our online application system will remain open over the festive period.

19/12/2023

A very merry Christmas & prosperous New Year to all our clients & friends from the IMS Financial Clonmel team.

19/10/2022

The Central Bank has announced changes to mortgage lending. We'll try to outline what this means.

1. First time buyers will be able to borrow up to four times their income from January 2023. A borrower on €50,000 per year will be able to borrow €200,000 in place of €175,000 but will still need a 10% deposit.
2. Second and subsequent buyers will still be restricted to 3.5 times their income but from the reading if they are moving to a new home will need a 10% instead of 20% deposit. A borrower on €50,000 per year looking to purchase at €175,000 would need a deposit of €35,000 under current rules but under the new rules that would be €17,500.
3. First time buyer definition is to be expanded to include divorced, separated or undergone bankruptcy/insolvency when they no longer have an interest in the previous property. A first time buyer getting a top-up loan or re-mortgage with an increase in the principal may be considered 'First time' if the property remains their primary home.
4. Mortgage exceptions will be reduced from 20% to 15% meaning lenders will have to reduce the number of exceptions to the income limit they can issue per year.

12/07/2022

19/01/2022

With rates as low as 1.95% now is the time to lock down your mortgage rate. We can make it as easy as a few clicks. Apply online today at imsfinancial.ie.

Apply For a Mortgage Online. Click, Answer & Upload, as easy as 1,2,3..

26/12/2021

Contact Us to start your mortgage journey over the holiday period. First time buyers, Mortgage switchers and those looking for the lowest rates. Apply now online by clicking below. http://clickamortgage.ie/

10/11/2021

Homeowners are saving on their mortgage by switching. If you are interested in switching give us a call and we would be more than happy to talk you through the process.

This represents the highest annualised level of switcher approvals on record, according to the Irish Independent Doddl.ie mortgage switching index.

04/11/2021

We finally made the move. Our new address is 8 Sarsfield Street Clonmel( right next door to our old address ) we're in the big blue building. Our phones remain the same 052-6121471. We look forward to serving our current clients and future clients from our new premises.

28/09/2021