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H&R Mortgages ; Suite 9, Claregalway Shopping Ctre, Claregalway, Co. Galway
Tel: +353 (0)91 739126                 Email: hrmortgages@eircom.net 

Hardiman Life & Pensions Ltd ; Dublin Rd, Tuam, Co Galway    Web
Tel : +353 (0)87 2573941              Email: PatHardimanIns@eircom.net  



What is a Mortgage.?
A mortgage is a loan on a property or house that secures a loan and is paid in instalments over a set period of time. The mortgage secures your promise that you will repay the money you have borrowed to buy your home.

While a mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land (or the equivalent) from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.
You can get a mortgage direct from the lender (banks, building societies and specialist mortgage lenders), or you can use a mortgage broker.

You can buy based on 'information' only or get advice and recommendation on a mortgage that suits your particular needs.
Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. Make sure you select the mortgage that is right for you, your future plans, and your financial situation.




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