u/Conscious-Ant2659

We applied for a €450k mortgage with incomes of €78k and €71k but only €20k in savings. AIB has indicated they’ll offer €350k due to affordability/stress concerns, unless we wait 6 months and reapply.

We’re wondering how realistic it is to reach €450k through a broker, we’re anxious about another rejection. There’s a property launching soon that we’re interested in, so waiting could mean missing out.

Should we try a broker or wait the 6 months? We’d also appreciate any broker recommendations in Cork.