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Why Us?

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. Should you deal directly with an Irish lender / lenders or should you use the services of The Mortgage Advice Store, an authorised mortgage intermediary, who work on your behalf to secure the best deal for your individual circumstances.

Experienced Professionals

At The Mortgage Advice Store you have the comfort of knowing you are dealing with highly trained and skilled mortgage advisors. Our advisors all have substantial experience in the mortgage advisory area and all our recommendations are subject to review by qualified accountants.

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.

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 to 70% 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.

The Mortgage Advice Store are a Leading Authorised Intermediary with consultants available to provide you with impartial mortgage advice and assistance.

Same products same interest rates

The rate of interest you are charged is identical whether you go directly to a lender or deal through The Mortgage Advice Store. This is a key feature of the intermediary product and has fuelled the growth of the mortgage intermediary market.

By constantly monitoring the products on offer we can 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.

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 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 daily from 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

At The Mortgage Advice Store we charge a fee of €399 only if loan is approved (can be waived).

We have no relationship with any particular lender that would in any way compromise our independence.

Our commitment to providing information on all the major lenders and products reflects our passion for providing our customers with independent advice.

Mortgage Advice Store Ltd is regulated by the Central Bank Of Ireland

 
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Mortgage Advice Store Ltd is regulated by the Central Bank Of Ireland

Variable rate warning: The cost of your monthly repayments may increase - If you do not keep up your repayments you may lose your home. The payment rates on this housing loan may be adjusted by the lender from time to time.

Warning: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it

Fixed rate warning: You may have to pay charges if you pay off your fixed-rate loan early

Interest only warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period

Debt consolidation warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term

Endowment loan warning: There is no guarantee that the proceeds of the [Insurance Policy / Pension Policy] will be sufficient to repay the loan in full when it becomes due for repayment