So, you’ve decided to take the plunge and apply for a mortgage. One of the first decisions you will have to make is whether to approach a bank or mortgage lender yourself or whether to find a mortgage broker.

You may feel that your own bank will offer you a good deal but, like with any financial product, shopping around can always result in savings and this is where a mortgage broker comes in.

MortgageOne has specialist mortgage advisors who can help you to get a great mortgage deal. Use our mortgage calculator to find out how much you could borrow based on your income and deposit.

Benefits of using a mortgage broker

A mortgage broker is a registered professional who will assist you with your mortgage application and act as an intermediary between you and multiple mortgage lenders and that’s not all.

Here are the advantages of using a mortgage broker.

MortgageOne works with a wide range of lenders operating in the Irish market. Rather than going to your bank who will only sell their own products, MortgageOne can engage with multiple leaders on your behalf.

By using a mortgage broker you can access great rates and deals that are not available to the general public and that you won’t get applying on your own.

Completing a mortgage application is time consuming and it can be tricky to get all of the correct paperwork in order. 

By working with a mortgage broker, you can complete one application and your mortgage advisor will negotiate with the lenders on your behalf. This means that you will not have multiple interactions with several lenders to contend with.

You may only buy a property once or twice in your lifetime but mortgage brokers oversee many more mortgage applications than this. 

Mortgage advisors are professionals with a deep understanding of the mortgage market and can use their expertise to guide you towards the best options and products for your situation.

At MortgageOne we pride ourselves on providing the best solutions for our clients. We will discuss your circumstances and requirements with you and go through the pros and cons of various options so that you are getting a mortgage that is a good fit for you.

We have a good insight into lending criteria and also which lender might offer a better deal or rate, given your unique circumstances eg. being self employed or building your own home.

At MortgageOne, we can also assist you to apply for mortgage protection which is an essential part of the mortgage application process. 

We are not tied to one insurance company, unlike many lenders that you would approach yourself.

This means that we can get you a great deal on mortgage protection and home or buildings insurance, both of which you will need before you can draw down your mortgage.

Contact us today

MortgageOne can be your trusted advisor throughout the mortgage application process and our expert guidance will get you the best deal on your mortgage and insurances.

Start by using our online mortgage calculator, or leave us your details and we can contact you and start to make your home owning dreams a reality.