"We believe professional impartial/unbiased mortgage advice can add significant value. It is because of this belief that we provide a service that does much more than simply choose the cheapest rate."
We provide a confidential, efficient and competitive service. It is provided at a time and place convenient to our clients.
We take the guess work out of the equation, only offering you the best advice and most competitive Mortgages & Financial products in Ireland.
So, You've decided to take the first step on the Property ladder. Congratulations.
The Mortgage market is wide and varied. You probably already have a good idea of what is needed to apply for a mortgage, but, are you prepared for it? We, at Dublin Mortgage Brokers have a wealth of knowledge and experience in dealing with 1st Time Mortgage Buyers and most importantly Mortgage providers.
Pre-Application - At Dublin Mortgage Brokers it is our policy to spend some time getting to know our clients. What your needs are and your current financial situation. Once we have a good idea of your requirements we will formulate a financial plan with your input and agree upon a course of action.
Application - We will package your Mortgage Aplication and present it to the most suited Mortgage provider on your behalf. We will negotiate for you, taking the stress off your shoulders, allowing you the time and space to carry out our search for that dream home.
Drawdown - At every stage of the Mortgage process we are there with you to carry the load. Once you have Approval In Principal and have found your dream home we will liase between all parties to ensure the Drawdown of funds goes as smoothly as possible.
Want the most competitive rates in the market? Unsure how switching works or where to start, then Dublin Mortgage brokers are the people to talk to.
Not all Mortgages are the same. Thinking of Switching your Mortgage to a better rate? Looking to make savings on your Mortgage?
Can I switch my mortgage?
There are a few things you need to consider when switching your mortgage.
Your LTV ( Loan to Value) rate can change based on the amount outstanding reducing and your house value changing up or down. This can be a huge factor in securing a new Mortgage rate.
The balance outstanding on your current mortgage will be a determining factor when looking to switch mortgages.
Term remaining, both minimum and maximum mortgage loan terms can apply if you are switching.
Your current rate or fixed rate could make the difference between significant savings and an overall loss over the lifetime of the loan.
Credit history will be looked at. Have you been meeting your financial obligations.
Before you make any important decisions it would be advisable to seek professional financial advice.
When can I switch my mortgage?
If you are on a variable rate you can, generally speaking, switch at any time. If you are on a fixed-rate mortgage you could pay a hefty penalty to break free, but if you are coming to the end of a fixed-rate period it would be advisable to look at your options going forward.
If you happen to have a tracker mortgage it would be very unlikely you would get a better rate.
Can I switch my mortgage to another bank?
The short answer is yes! Irish banks are offering very competitive rates to consumers looking to switch their mortgage. There are even cashback incentives being offered by mortgage lenders to get your business. While this may seem attractive in the short term, always remember the interest rate. This is where the real saving is made.
Becoming a Property Investor
Be prepared to become a landlord and take on the responsibilities associated with this. There is work involved and before embarking on this type of investment for the first time, talk to somebody who knows. In general residential investment properties are an excellent form of investment provided of course that one does not over pay for the property in the first instance.
Moving House ... Things to do!
Moving house or apartment can be a difficult, stressful time. There are many things to organise, together with the physical upheaval of moving somewhere new. Being well organised and planning in advance can make the experience less stressful. Selling your property is a big move and you don't need unnecessary stress. Make the best start by contacting Dublin Mortgage Brokers and we will have you on the right path in no time.
So, you want to build your Dream Home. Congratulations.
Making the decision to build instead of buy can be one of the most exiting and daunting things you will ever do. It’s your chance to build exactly what you want and create the home of your dreams. So, don't let the process become a nightmare.If you are just starting to save towards a deposit or have planning permission already in place, come talk to us about the next step.Our team will take you through the process step by step, if stage payments are required, a fixed or variable rate, which Mortgage provider is best suited to your particular needs. We will answer all your questions and be there for every stage.
Not to be confused with Debt Management
Debt can build up unexpectedly. If you’re feeling a little overwhelmed, talk to us about a consolidation plan. We’ll look at the figures together and see if we can help get your current debt restructured and in the process make life more manageable.
For debt management we have a dedicated website. Please click below for details.
Use our no obligation Mortgage Repayment Calculator to see what your repayments might be.
Just click below for our dedicated mortgage repayment calculator page to see the best mortgage rates and give you a much clearer indication of what your repayments might be or try our mortgage switcher calculator to see potential savings. This is a no obligation calculator, we do not look for your name or contact number, completely free to use.
BBS, QFA, MMII (Grad), APA ( Debt Management Services), Certificate Residential Mortgage Arrears
FA, LIA, IPAV, QFA, Certificate Auctioneer and Valuer, Prof. Diploma Financial Advice, H.Dip Property Management and Valuation.
BBS (Hons), QFA, LIB