Start Mortgages - Contact Us

	Contact Us By Telephone			Contact Us By Post
	(01) 209 6300			Start Mortgages Ltd., Trimleston House, Beech Hill Office Campus, Clonskeagh, Dublin 4, Ireland
	Contact Us By E-Mail
	startonline@start.ie
	Contact Us By Fax
	(01) 209 6363

Our office is open from 9:00AM until 5:30PM Monday to Friday (except for Bank Holidays). There is a voice mail facility if you call us outside of office hours. If you prefer, you can leave us a message and we'll get back to you.

	CONSUMER PROTECTION CODE 2012
	Warning: If you do not keep up your repayments you may lose your home.		Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
	Fixed Rate Mortgages:		Variable Rate Mortgages:
	Warning: You may have to pay charges if you pay off a fixed rate loan early.		Warning: The cost of your monthly repayments may increase.
	Interest-only Mortgages:		Debt Consolidation Mortgages:
	Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.		Warning: This new loan may take longer to pay off than your previous loans and you may pay more than if you paid over a shorter term.

	CONSUMER CREDIT ACT WARNING YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME. Security and insurances required. The maximum percentage of the value of the property which will normally be advanced is 75% and is subject to credit references. Loan amounts are subject to monthly repayments not exceeding 35% to 40% of the borrower(s) disposable income. A typical variable rate mortgage of €100,000 over 20 years costs €699.23 per month (APR 5.92%). The effect of a 1% increase in interest rates for such a mortgage will increase the monthly repayment to €757.39 (APR 6.99%), an increase of €58.16 per month.