How we as a mortgage broker in Dublin can help you

2021-07-02

As a mortgage broker in Dublin, we help hundreds of customers every month secure their ideal mortgage for the property of their dreams. The majority of these are first time buyers and come from many parts of Ireland.

If you’re in the market for a mortgage, the option always exists for you to apply directly to lenders yourself.

However, partnering with a broker such as ourselves provides you with a number of benefits.

Which mortgage is right for you?

In the Irish market currently, there are more than 250 mortgage products available. How can you tell which one provides the best solution for your needs?

Naturally, each lender will only be able to advise you on their offers. They cannot provide a deep overview of the entire lending market available to you.

But we can!

In fact, we even named ourselves “Which Mortgage” because our sole purpose is to find which mortgage is right for you.

We advise our customers on all of your options and share insights into which mortgage will be best suited to your unique circumstances.

Save time by working with a mortgage broker

Your time is precious and you want to use it wisely.

Here’s the truth. Applying for a mortgage is not a quick job. It’s a time-consuming process that requires a high level of attention to detail and a lot of supporting documentation.

All of the supporting documents need to be reviewed, understood and explained. These documents are essentially you making the case for why a lender should approve you for a mortgage.

Imagine repeating this process for each lender in the market? It’s possible, but it’ll take so much time.

When you work with us as your mortgage partner, you discuss your requirements with us only once.

We’ll guide you through our entire process to obtain the necessary responses and paperwork needed to compile your robust mortgage applications.

All of that work will be handled by us and you’ll be presented with a list of lenders and mortgage options ideally suited to you.

We save you time.

We remove the stress around application screening

Many of our customers speak of the stress they felt when they first began their mortgage journey.

One of our key values is to remove the stress from the mortgage process for our customers. And one of the most important ways we do this is by our robust application screening process.

Lenders are going to go through your application with a fine tooth comb. They need to do this because they are bound by Central Bank rules and regulations to make sure they are acting responsibly.

We carry out thorough assessments on all mortgage applications to ensure that they meet lenders’ specific requirements.

As a result, a very high percentage of our customers receive mortgage approval. We will only submit a mortgage application if we have a high degree of confidence that it will be approved.

We constantly monitor interest rates

Different lenders offer different interest rates with different criteria for their mortgage products.

We constantly monitor interest rates of all the mortgage products available in Ireland.

As a result, we’re able to advise you on the best offers available to you when you apply for your mortgage.

There is no difference in the products we offer vs. what banks offer

Many of our customers share an assumption with us that they thought they’d get a better deal by applying for a mortgage directly with a bank.

As a mortgage broker, we earn our commissions from the lenders for successful mortgage applications.

We see why customers would think that banks would offer a better deal to customers applying directly to them.

However, this is not the case.

Lenders provide the exact same terms to successful applicants whether they have come through a mortgage broker or they have applied directly.

This means that we can help you with a much broader selection of mortgages in the market (which is something only a mortgage broker can do). And it means that we can guarantee you will receive the same interest rates, cashback offers and/or other incentives lenders offer.

There’s a lot that goes with buying a property

It’s easy to think that buying a property involves getting a mortgage + choosing your dream apartment/house.

Actually, there’s a whole ecosystem that goes with buying a property.

You’ll come into contact with estate agents, solicitors, different departments for lenders, valuers, surveyors, insurance companies etc.

Some of the interactions will have repercussions for the next stage of the purchase, with deadlines needing to be met.

As a mortgage broker with more than 300 years experience (we put our whole team through our own mortgage calculators!), we will share our expertise with you. This will include advising you on what needs to be done at which stage of the mortgage and property buying journey in relation to third parties.

Think of us as a project management resource to make your experience easier!

How can we help you?

Contact us today to discuss your mortgage requirements. We’d be delighted to chat with you! Some of our wonderful customers have shared reviews of their experience with us so you’ll know what to expect.