GONE ARE THE days when banking had to be done nine to five, Monday to Friday.

Thanks to ATMs, online banking and – most recently – more flexible opening hours, you can now pay your phone bill from your couch, transfer money on your commute home, and apply for a mortgage, well… wherever you like, really.

As one of permanent tsb’s Mobile Mortgage Managers, Laura is an expert in home loans and mortgages. She’s there to talk you through the process, help you sort out your application, and answer any questions you may have. And she can do it all wherever suits you, be that at home, at your office or at your local café.

When it comes to awkward queries, Laura’s heard them all. “There’s no such thing as a silly question,” she says. “I do this every day, so you can ask away.”

No matter how wise you think you are to the mortgage game, it can still throw up a few surprises. Here’s Laura’s take on three mortgage questions she hears very often indeed…

Question #1: If I’m paying high rent, can I still get a mortgage?

Even if you can’t put as much money aside as you’d like each month, paying your rent on time can strengthen your application. “Your ability to pay rent monthly demonstrates to the bank that you can meet your commitments,” says Laura.

Question #2: Is it going to take months to get all my documents together?

“It’s just two steps really, along with your usual proof of ID and address,” says Laura. “One, contact your employer for recent payslips, last year’s P60 and a stamped salary cert. Two, call your bank for some recent statements.”

Question #3: I don’t have a deposit yet, so where do I start?

Laura meets plenty of people who have yet to start saving, but just want a few questions answered. “If you’re not ready just yet, we’ll put a plan in place to get you there,” says Laura. “Even if you’re unsure, I’ll give you a steer.”

Make an appointment with your local Mobile Mortgage Manager here.

When you’re making the decision to sell up or renovate, everyone will have their opinion – and won’t think twice about letting you know what it is. But how do you block out the noise and get to the point?

At permanent tsb, we value finding a better way. If you’re house-hunting, or even just saving for your deposit, you’ll want to do things the right way. Head over to our Bring It Home Hub  for the inside scoop.

Lending criteria, terms and conditions apply. Security and Insurance required. permanent tsb p.l.c is regulated by the Central Bank of Ireland.