When applying for your mortgage in Ireland - the single largest investment of your life, the decision of who to entrust with this can be daunting.

In these times of economic turmoil and uncertainty it is extremely important that you seek independent advice .

Should you deal directly with an Irish lender or should you use the services of Mortgage Company of Ireland, an authorised mortgage intermediary who work on your behalf to secure the best deal for your individual circumstances?

Part of the Finance Company of Ireland Group, we have been providing finance solutions and dedicated personal service to our customers for over ten years.

Experienced Professionals

At Mortgage Company of Ireland you have the comfort of knowing you are dealing with highly trained and skilled mortgage advisors. Our advisors and administration support personnell all have substantial experience in the mortgage advisory area .Our systems and controls have been developed by experienced chartered accountants to ensure you receive a quality professional service.

Each application is allocated to an experienced consultant. Your consultant will be available to you throughout the process in addition to your administration support contact.

Our commitment to customer service is reflected in our flexibility for meeting our clients.We are available at a time that suits you and your work pattern, which may be in the evening or at a location that suits you.

We have embraced internet technology to provide you with up to date information on all Irish Mortgages reflecting our total commitment to independent advice.

Intermediaries have a growing share in the mortgage market in Ireland

In Ireland approximately 50% of all mortgages are sourced through authorised intermediaries.

This is set to grow within the next few years in line with trends in the United States and UK.
The need for independent advice and access to market knowledge is essential in order for you to make an informed decision on a particular mortgage product and mortgage provider.

Mortgage Company of Ireland are a Leading Authorised Intermediary with consultations available throughout Ireland to provide you with impartial mortgage advice and assistance.

Mortgage interest rates

The rate of interest you are charged is the critical element of your mortagge product. Unlike any other intermediary in the market we have invested heavily in technology to ensure we look beyond introductory and fixed rates to ensure that we can propertly compare the merits of competing products.

This investment is for your benefit!

By constantly monitoring the products on offer we can also identify special products or rate offerings which in circumstances may have particular appeal to our clients.

Lenders lending criteria differ significantly

There is significant variation in lending practices between the mortgage lenders in Ireland.The rate of change in lending criteria is also an area of interest and indeed concern .Once again we employ systems that monitor and track this ever changing .

These differences range from varying loan to value ratios to wide variations in the absolute amount a lender will advance because of the use of a range of different formulae in calculating how much you can borrow.

We consistently get different lending decisions from lenders in respect of identical applications.

Monitoring Historic rate performance

Our unique historic rate performance charts monitor how one lender compares with the rest of the market over time in the various rate categories.

Using this mortgage information allows us to back up our advice with clear evidence of past performance in addition to current product offering considerations.

Up to date information

We update our rates continuously ,searching the maarket of all the Irish mortgage lenders and constantly monitor the Irish mortgage market to ensure you have access to accurate and timely information.

Saving time and money

You save time and money by letting us research the market for a product to match your needs

We go through the options available with the objective being to provide a mortgage facility that meets your long term requirements.

Fees

Our standard professional fee for arranging a mortagage through to completion is €499. This charge related to the following:

• Meeting client at convenient time and location
• Advising on range of mortgage providers
• Advising on range of rate options
• Advising on borrowing limits
• Processing documentation with agreed lender/lenders
• Advising on appropriate life cover
• Advising on home cover options
• Discussions with client solicitor

Your consultant is available to discuss any aspect of our fees.

From time to time we may introduce offers where a discount on our normal fee is agreed.

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All fees are advised in writing in advance of any work being undertaken.

Choosing from Irelands Leading Financial Services providers

Our business is authorised by Irelands Leading Mortgage Lenders and Insurance Companies as an Intermediary including:

• AIB
• ACC
• Bank of Scotland/Halifax
• Bank of Ireland
• First Active
• Permanent tsb
• IIB Home Loans
• Ulster Bank
• Ship
• GE Money
• Irish Life
• Canada Life
• New Ireland
• Caledonian Life
• Eagle Star
• Hibernian
• EBS

Authorised by:

Finance Company of Ireland trading as Mortgage Company of Ireland is regulated by The Irish Financial Services Regulatory Authority.

Our Professional Indemnity insurance is arranged through St Pauls ( Travellers) a respected .Us Multinational Company