#Open journalism No news is bad news

Your contributions will help us continue to deliver the stories that are important to you

Support The Journal
Dublin: 9°C Friday 27 May 2022

Mortgage expert or beginner borrower? See how your knowledge compares to other readers

From the approval process to possibly switching – tell us your thoughts.

Image: Sam Boal/Rolling News

WHETHER YOU’RE IN the process of building up your savings for a deposit or you’re a decade into your mortgage – the market is always changing and it’s very important to keep up.

With our current mortgage activity now ‘returning to 2008 levels’, it’s essential that we understand our choices – whether that’s the advice not to panic and automatically take the first mortgage you’re offered to the fact that you may save significantly by switching.

So, tell us about the extent of your knowledge on mortgages – whether you’re fully up to speed or the word ‘tracker’ sends you into a sweat. Just simply drag your cursor or finger along the slider to let us know where on the scale your experience falls.

First, let’s get a handle on your thoughts on the market, and whether your current or future mortgage is a worry for you.


‘There’s plenty of choice in the current mortgage market’ - how strongly do you agree with this statement, 10 being a lot, 0 being not at all?




How much do you worry about your current, or future mortgage, 10 being a lot?


Now, let’s talk a little about the process that’s involved both in getting a mortgage in the first place and for opting for one that might suit your needs better at a later stage (in fact, new changes brought in this year have made it even easier). 


How satisfied are you that you have access to independent information on mortgages, 10 being very satisfied?




How confident would you be of your understanding of the mortgage approval process, 10 being very confident?




How strong would you say your understanding of the mortgage switching process is, 10 being very strong?


Finally, let’s take a look at what is important for you when you do choose a lender to go with – is a pre-existing relationship important to you, or will you just chase the best rate? And how confident are you about the types of mortgages available or whether you’d be willing to switch? Tell us here.


How likely would a cashback offer be to influence your decision of who you got your mortgage from, 10 being very likely?




How confident would you be of your understanding of fixed versus variable rate mortgages?




How likely would you be to switch your mortgage in the future, 10 being very likely?


Still a bit confused about getting a mortgage or whether you could benefit from switching your current one? Have a look at CCPC’s handy mortgage comparison tool to get an idea. Make sure you’re fully up to speed on all of your options by visiting the CCPC’s mortgage section to learn everything you need to know to find the right one.

Sponsored by:


Read next:


This is YOUR comments community. Stay civil, stay constructive, stay on topic. Please familiarise yourself with our comments policy here before taking part.
write a comment

    Leave a commentcancel