metro extralife PropertyToadvertise call(01)6375973 22 metrolifeextra Thursday, February 4, 2010 D 4 bed detached from 230,995 (1995 sq. ft.) 5 bed detached from 329,995 (incl. garage - 2305 sq. ft.) To find out more or to request a brochure visit www.kingscroft.ie or call the Sales Hotline on FreepHone: 1800 33 34 35 or call our Sales Agents: Tel: 046 9430895 On-Site Sales Offices Open: Weekdays: 10am - 4pm | Weekends: 2pm - 5pm This development is a short stroll from Kells town centre with all its amenities. With easy access to an ever improving National Road Network, Kells has a growing popularity with commuters. 5 bed detached house4 bed detached house Mortgages EBS Mortgages At EBS were open for Mortgages * 92% loans available1 * Option to reduce payments for rst years2 Cant wait to own your home? Its open house on homeloans. Talk to your local EBS mortgage experts Call 1850 654 326 or log onto www.ebs.ie Helping families in Ireland get on in life for 75 years Lynn from Dublin is delighted she took the plunge Call in for a quote today Lending terms and conditions apply. 1. Normally the loan to property value (LTV) with EBS FirstStep is 92%. As a general rule the loan amount should not exceed times the main income or times the oint income (in the case of two earners). A mortgage on your home is required as security. The payment per month on a typical 2 year loan of 1 , is 5 .2 (APR 2.7% variable excluding insurance payments). An increase in interest rates of 1% would translate into an additional 5 .4 per month. A quali ed valuer will need to value your property. This valuation should not cost you more than 127 (plus travel expenses, where applicable). 2. ith the Easystep option, your payments are reduced in the rst years of your mortgage. This means that your repayments will increase from year 4 onwards to ensure that the full loan is repaid within the original term agreed. Your repayments from year 4 onwards will include an interest charge for the Easystep option for the rst years. Under the Consumer Credit Act 1995, a mortgage protection policy is required for all housing loans. EBS can arrange this for you. EBS Building Society is regulated by the Financial Regulator. Chief of ce of EBS 2 Burlington Road, ublin 4. Registered No.1 9. ARNIN T E COST OF YOUR MONT LY PAYMENTS MAY INCREASE IF YOU O NOT EEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR OME. EBS: 75 years helping first-time buyers One thing is sure now is a great time to be a first-time buyer. National house prices have reduced by 31.5 per cent since the peak in February 2007 and economists are forecasting a further fall of anything between ten per cent and 15 per cent for 2010. EBS has built its reputation on making home ownership a reality for generations of young people over its 75 year history. Notwithstanding the challenges facing the market, EBS is seeing first-time buyers cautiously re-engaging in the market. Interest rates have also been reduced dramatically in the past year. The European Central Bank base rate is now at just one per cent and it is expected to remain low throughout the majority of 2010. Supply has been abundant with deep discounting in many new developments, so first time buyers are finding it easier to get good value when buying new properties. Affordability has returned to levels last recorded in the mid-1990s in other words, a couple buying their first home now have to allocate less than 13.4 per cent of their income to meet their mortgage repayments. The average monthly mortgage repayment for a first time buyer couple in 2006 was almost 1,800 today it is less than 1,000. House prices are back to what they were in April 2003, interest rates are at an all-time low, and even the costs associated with building your own home or renovating have come down. In this current market, it is more important than ever to shop around and find the best value mortgage for your purchase. EBS is open for mortgages and recognises that purchasing your first home is one of the largest financial commitments that an individual has made so far in their life and are committed to offering a range of competitive mortgage product options: Borrow up to 92 per cent of the value of your home Competitive variable and fixed rates Split your loan to avail of a variable rate and fixed rate Easystep option which allows you to reduce your repayments in the first three years Interest-only option where the loan to value (LTV) is more than 80 per cent For more information on mortgage products, call into your local EBS office, phone 1850 654 321 or log on to www.ebs.ie. Savills at Clare Village Following on from a very successful launch in late 2009 with more than 80 sales, Savills is delighted to announce a further release of 18 apartments in Clare Village this weekend. South-facing one-bed apartments with very large balconies are selling from only 129,950, very large two-beds which average 850 sq feet are now selling from only 169,950. Three-bed apartments are selling at only 189,950. This amazingly low price includes full furniture fit-out from Ikea, making it perfect for a first-time buyer. Clare Village is located in a pivotal position on the Malahide Road, right beside Tescos Clare Hall Shopping Centre and Total Fitness, offering a fantastic location for investors and first-time buyers alike. The development will comprise 350 apartments in six blocks with underground parking. Clare Village is located in a pivotal location on the Malahide Road. It is situated directly beside Clare Hall, currently open 24 hours a day. The complex includes a food court, post office, pharmacy, fashion stores and a Tesco store which sells everything from toys to teabags. One of Dublins most modern gyms, Total Fitness is right beside the development and has two swimming pools, hydrotherapy and state-of-the-art gym equipment. A QBC runs outside the front door and the development is also beside the M50 and M1 motorways. Show apartments may be seen on Saturday at 12pm and 3pm, and weekdays by private appointment. For Further information please contact Jenny Fogarty, Tel: 618 1300. Jenny.Fogarty@savills.ie Savills: Whats On View? Barnwell, Hansfield, Dublin 15 Two-bedroom houses from 224,950, three-bed houses from 249,950, four-bed houses from 319,950 Viewing: Sat & Sun 3-5pm Clare Village, Malahide Road One-bed apartments from 129,950, two-bed apartments from 169,950, three-bed apartments from 189,950 Viewing: Saturday, 12pm to 3pm Heathfield, Cappagh Road, Dublin 11 Two-bed houses from 219,950, three-bed houses from 239,950, four-bed houses from 329,950 Viewing: Sat & Sun, 3pm to 5pm Waterville, Dublin 15 Two-bed apartments from 220,000, two-bed houses from 250,000, three-bed duplexes from 270,000 Viewing: Sat & Sun, 2pm to 5pm The Waterways, Dublin 15 Two-bed apartments from 248,000 Viewing: Saturday, 11am to 12pm index.html2.html3.html4.html5.html6.html7.html8.html9.html10.html11.html12.html13.html14.html15.html16.html17.html18.html19.html20.html21.html22.html23.html24.html25.html26.html27.html