Fees and Commission Income
Mortgages Advice
We are one of Ireland's leading mortgage advisers. We are an experienced team of qualified mortgage, life insurance and financial professionals.
Our key role is to understand your needs and recommend the most suitable financial product to meet those needs.
Our new mortgage application portal allows you to complete all aspects of the mortgage online, upload your documents and view loan approvals, valuations, and loan offers.
We look forward to being a trusted financial advisor to you.
Shane Lavin, Chartered Accountant, Director
Mortgage Professional Advice Fees
We do not charge fees to Irish resident home buyers or switchers.
Specialist Mortgages
Fees are payable in advance of case submission for the following mortgage categories.
Buy to let €1,000.
International – Non-resident €1,500
Commission Mortgages
Lenders pay us a mortgage arrangement fee/commission of 1% of the mortgage when the loan drawn down.
Our lenders include:
- AIB Group (Haven Mortgages)
- Bank of Ireland
- Permanent TSB
- Avant Money
- Nua Money
- ICS
Commission for Life Insurance, Mortgage Protection and Income Protection
Initial commission
Initial commission is the payment we receive from Life Insurers for recommending the most suitable product to meet your needs.
We are paid initial commission by our providers as outlined below:
- Royal London commission averages approximately 1.6 times the annual premium.
- Zurich average commission is 1.5 times the annual premium.
- Initial commission rates with Aviva, New Ireland and Irish Life are typically in the region of 1.5 times the first year's premium.
Renewal commission
We also receive a small renewal premium each year which is typically 3% of the annual life insurance premium. For example, if the annual policy cost is €300, we would receive a renewal commission of €9 per annum.