IMS Financial Kilkenny

19/12/2024

From our IMS family to yours, we wish you a very merry Christmas and a prosperous New Year.

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 Kilkenny 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..

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.

14/04/2021

Considering a mortgage but don't have the time to meet with an advisor? or maybe you are cautious about COVID. We have the solution. Apply online for your Mortgage today.

13/01/2021

Cian Conway is a 7-year-old boy who suffered a severe stroke when he was just 6 years old.

Against all odds, Cian has had a remarkable response to surgery, medical treatment, and initial rehabilitation therapies. His strong, fighting spirit has won battles in the critical early days and he continues to do so daily.

Cian is now at a stage where he needs extensive rehabilitation therapy to regain mobility, motor skills and speech. This will enable him to experience life to the fullest as every child should, being able to play the games he loved and communicating with his family and friends.He will continue to need these services for many years to come with estimated costs in the region of €15-20k per annum.

Cian and his family have come so far but still have a long and arduous road ahead. This fundraising page has been set up to ask for your help, to get Cian these crucial therapies.

Fundraiser towards Cian’s Recovery from Childhood Stroke Cian Conway is a 7-year-old bo… Lorraine OSullivan needs your support for Cian's Journey to Recovery

21/12/2020

Wishing you a very merry christmas from all of us at IMS Financial.