Most people find the process of getting / applying for a mortgage a seriously daunting process.
- How much can we get?
- How much of a deposit do I need?
- What type of mortgage should we apply for?
- Fixed rate versus variable rate?
- How long will we take it out for?
- What will my monthly repayments be?
- Who should we apply to?
- Which bank has the best rates?
- Should we use Bank, Building Society? etc.
- Can I get a mortgage if I already have a house that is in negative equity?
- Can I get a mortgage for an investment property/buy to let property?
The list is endless!
This is where we come in:
We take you through the mortgage process from start to finish and because we are experienced at putting mortgage loan proposals together for the lenders, we do know who to approach and who not to approach. This can speed up the whole process for you whilst making life a lot easier for you.
We will not charge you a fee (the lender/bank pays us a fee), and we will get the same or in some instances a better rate than you would get had you personally gone directly to the lender/bank.
Integrated Financial Services will approach several lenders on your behalf when you complete our Single Applicant Mortgage Questionnaire or the Joint Applicants Mortgage Questionnaire.
The information on the Questionnaire will only give us a guide as to which lender is best suited to your needs. We will be in a position to give you a verbal indication of lenders interest in your business within 24 working hours on receipt of this On-line Mortgage Questionnaire.
Why choose to go with a mortgage broker as opposed directly with bank? As a mortgage broker we will check with the various banks to see who is best suited to you and who has the most competitive rates. If you go directly with one bank you will only have access to their rates whereas we have access to numerous bank's rates. Note that a small difference in rates would add up to thousands of Euro over the term of mortgage.
Mortgage calculator below allows you to work out (roughly) the monthly mortgage repayments based on term( e.g 30 years),rate(Example4.6%) and amount you borrow.
N.B. Lending terms and conditions will apply. Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.