Applying for Mortgage

Hi, applying for a mortgage in past week to consider our budget in buying again some time this year. We have got very different responses from banks. I thought ,foolishly, that amounts loaned, and criteria, from bank would have been more streamlined. Based on my partners wage of 48k (one income) we were offered max 140 k from BOI and advised on 20 -25 year for our age (38). TSB would offer 200 -210 and could take 34 year mortgage (what??!! ) . AIB are offering something around 180 mark. Anyone else getting these greatly varying responses from banks? Advice please on any other places we should apply to??

We spoke with EBS and they are, evidently, providing 85% financing maximum on new mortgages.


Who wants to be paying a mortgage when they are 72??