We’re independent mortgage advisors who gives whole of market advice.
Planning on switching your mortgage? We will get you the most competitive rate in the market and may even put cash back in your pocket.
We ensure you’re getting the best deal on your mortgage based on your circumstances. We help you understand what’s best for you whether it is switching mortgage to potentially save €1000s over the term of your mortgage or reducing your term through restructuring your payments, all while identifying the right time to do so.
We have an extensive team of qualified mortgage specialists, and we can meet you when and where it suits you best. We strive to ensure the process is stress-free and seamless so no matter what you want to do, we’re here to help.
Moving lenders might help you secure a lower interest rate on your current mortgage thereby potentially saving a significant sum of money in the long term. We’ll evaluate your circumstances, explain to you all the options that are available to you & help you access the cheapest mortgage rates through our network of all major Irish lenders.
We’ll help you identify the best deal for your circumstance & provide quick as well as concise guidance throughout the process. We do the switching and you make the savings.
When can you switch?
You know how stressful it can be, having been through the mortgage application process before. Whether you’re trading up or moving on, we’ll help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you make the move swiftly.
We’ll help you identify how much you can borrow & help you secure the most suitable deal based on your needs.
One of the most crucial financial and emotional decisions you will ever make is purchasing your first home. We help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you get on the property ladder.
We’ll review your situation & recommend most suitable government schemes where applicable based on your situation whether is it Help to Buy Scheme, Local Authority Home Loan or First Home Shared Equity Scheme.
Did you know?
Under the new central bank guidelines, first time buyers will be able to borrow up to 4 times their income from January 2023 onwards.
A Lifetime Loan sometimes called equity release in Ireland allows homeowners aged 60 and over to unlock tax-free cash from the value of their home. You stay the legal owner of your house, live there as long as you wish and you do not need to make regular repayments unless you choose to. The loan is repaid when your property is sold, or when you move out permanently.
Who are Lifetime Loans suitable for?
Key features of Lifetime Loans in Ireland
We’ll work out how much you can borrow, compare rates across Irish lenders, check government schemes, and explain the whole process step by step.
First Time Buyers can borrow up to 4 times their Gross Salary under Central Bank rules, 3.5 for Second Time Buyers but we’ll crunch the numbers for your situation.
Yes, switching can save thousands and many lenders offer cashback/incentives to cover costs. We highlight the pro’s and cons of what lenders are offering.
No, our service is free. We’re paid a commission by the lender if your mortgage draws down.
Yes, most of our mortgage consultations are done online through Microsoft Teams, though we can meet in person too.
Absolutely, we’ll monitor the market and let you know when a better deal is available, plus support your application if you decide to switch.
Have your ID (passport /driving licence), proof of address, payslips, accounts, bank statements, and details of existing savings or loans. We’ll guide you on exactly what’s needed based on your individual situation.
Yes, we’ll explain how buy-to-let mortgages work, what lenders expect, and how to structure your borrowing.
Find out more about our Services
Have a question? You can always askpaul!
