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Important Information

Disclaimer

NFP Ireland Consultants Ltd t/a NFP Ireland, NFP is authorised and regulated by the Central Bank of Ireland. Registered office: Second Floor, Block 4, Blackrock Business Park, Co. Dublin and its directors are Colm Power, Louise Gallagher, Duncan Jarrett (British). Registered in Ireland No: 415534.

Mortgage Specific Disclaimers:

  • Warning: If you do not keep up your repayments you may lose your home.
  • Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.
  • Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
  • Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

Lifetime Mortgage Specific Disclaimers:

  • Warning: Unlike certain other mortgages where interest is charged on a sum that decreases with time, interest on lifetime mortgages is charged on an increasing sum (made up of the outstanding mortgage and added interest amounts), and therefore the total amount owed can increase quickly. As you are not required make any scheduled repayments, the interest on your mortgage is added to your outstanding debt on a continual basis and you are effectively charged interest on that interest. This is called ‘compound interest'.
  • Warning: the rate of interest applied to your loan balance may increase and the amount you owe will increase as a result.
  • Warning: The longer a lifetime mortgage remains unpaid, the more money you will owe and the amount you owe could eventually come close to, equal, or exceed the value of the mortgaged residential property.
  • Warning: The longer a lifetime mortgage remains unpaid, the more money you will owe and the amount you owe could eventually come close to or equal, the value of the mortgaged residential property.
  • Warning: Purchasing this product may negatively impact on your ability to fund future needs. Before purchasing this product, you should get independent legal or financial advice.
  • Warning: You will have to pay charges if you pay off a lifetime mortgage early.

NFP Commercial Insurance Solutions (Ireland) Ltd t/a NFP, NFP Wholesale Ireland, NFP Professional Liability Ireland is authorised and regulated by the Central Bank of Ireland. Registered office: 7B The Anchorage, Charlotte Quay, Dublin 4, D04 A6R9 and its directors are William Irwin and John Paul Allcock (British). Registered in Ireland No: 551277.

Margin Investments Ltd t/a NFP is authorised and regulated by the Central Bank of Ireland. Registered office: ReSure House, Steeple View Court, Church Road, Malahide, Dublin, K36Y673 and its directors are Aidan Brady, Ross Barron, Garry Fitzroy, John Paul Allcock (British). Registered in Ireland No: 288386.

NFP Commercial Insurance Solutions (Ireland) Limited and Margin Investments Ltd are appointed representatives of NFP Commercial Solutions Limited. NFP Commercial Solutions Limited is authorised and regulated by the Financial Conduct Authority. Registration number: 432935. Registered office: 14 Caroline Point, 62 Caroline Street, Birmingham, B3 1UF. Registered in England and Wales No: 05363563.