Ep 34: From Single Buyer to 3 Properties: Lisa’s Mortgage Journey & Expert Tips

Описание: In this episode of The Personal Finance Show on Dublin City FM, Paul Merriman from askpaul.ie is joined by mortgage advisor, Lisa Langtry.

Lisa shares her journey from travelling and retraining to buying three properties as a single buyer in Ireland. She talks honestly about the sacrifices involved, the mindset shifts required, and the practical financial steps that helped her get on, and move up, the property ladder.

💡 In this episode, we cover:

-Buying as a single applicant
-Why knowing your numbers before house hunting matters
-Common first-time buyer mistakes
-How schemes like the First Home Scheme, Help to Buy and rent-a-room relief can help
-Why trying to time the market rarely works
-How switching your mortgage can save you serious money
-Why using a broker gives you more options than going directly to a bank

We also chat about Lisa’s Instagram page @single_thirdtimebuyer, why she started it, and how sharing real experiences helps others feel less alone during the buying process.

Whether you’re renting, buying for the first time, purchasing on your own, or reviewing an existing mortgage, this episode is packed with **practical, no-nonsense advice**.

👉 Thinking of buying in the next 12–24 months?
Book a free mortgage consultation with the team at askpaul.ie and get a clear plan in place.

00:00 Mortgage Q&A: Meet Your Mortgage Adviser
02:32 Why Buying Solo Builds Financial Security
07:32 How to Choose a Trusted Mortgage Adviser
10:03 First-Time Buyer Mortgage Plan: Confidence, Savings & Strategy
15:07 Trading Up Your Mortgage: Upsizing Without Overstretching
22:26 Mortgage Schemes Explained: First Home Scheme & Help to Buy
29:12 Mortgage Market Update: Interest Rates, Timing & Affordability
31:17 Approval in Principle First: Stress-Free House Hunting
34:50 Loan Offer to Drawdown: Protect Your Mortgage Approval
38:22 Fixed vs Variable Rates: Switching Mortgages to Save Money

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