• Established 1996
• Authorised by the Central Bank
• Business controlled by Experieneced Chartered Accountant and consultants all have extensive mortgage experience
• Fees for first time buyers €300 plus vat

Our Business was established in 1996 by Shane Lavin. a qualified chartered with extensive experince in Financial Services across a wide range range of activities.The mission of the Company was and still is, to provide clear impartial advice to assit consumers in making important financial decisions.

In these times of economic turmoil and uncertainty, the key role of independent advice has never been more important .

Professional No nonsense advice

At Mortgage Company of Ireland you have the comfort of knowing you are dealing with highly trained and skilled mortgage advisors.

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 rate infromation from our lenders..

Intermediaries have an important share in the mortgage market in Ireland

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

The need for impartial 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 mortgage. 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!

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 .

These differences range from varying loan to value ratios, to wide variations in the absolute amount a lender will advance, due to 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.

Saving time and money

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

Fees

The scope of work required for Mortgage approval have transformed completely under new Regulations.It is evidenced based focusing on proven affordability.

Mortgage Company of Ireland typically charge a professional fee of €300 plus vat for arranging a mortgage through to completion . This charge relates to the following:

• Meeting you at convenient times and locations
• 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
• Arranging closure of your mortgage

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

Choosing from Irelands Leading Financial Services providers

We act as an authorised intermediary for many leading leading Mortgage Lenders and Insurance Companies :

• AIB
• Permanent tsb
• Haven
• KBC Home Loans
• ICS
• Irish Life
• Canada Life
• New Ireland
• Caledonian Life
• Zurich
• Friends First
• Aviva

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