Enquire About Your Mortgage Options
There are five main types of mortgage, and we explain them in detail below.
If you’re unsure which mortgage is best for you, or you already know what type of mortgage you want,
contact us using the form below and we’ll arrange a meeting or phone call to help you get your mortgage the first time!
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There are many different types of mortgages, all of which appeal to different types of people:
- First time buyer mortgages
- Switcher mortgages
- Buy-to-let Mortgages/Residential Property Investment mortgages
- Loan Consolidation Mortgages
- Equity Release mortgages
Types of Mortgage
MORTGAGE EXPERTISE
1) First time buyer mortgages
2) Switcher mortgages
3) Equity release mortgage
4) Public sector mortgage
5) Buy to let mortgage
6) Pension mortgage
7) Mortgages for single applicants
WE COMPARE MORTGAGE OFFERS FROM ALL LENDERS ON THE FOLLOWING AREAS:
1) Max mortgage offered
2) Mortgage rate
3) Monthly mortgage repayments
4) Cashback & other incentives offered
We then recommend a provider that is best suited for your mortgage needs.
WE HELP OUR CLIENTS UNDERSTAND & APPLY FOR ALL OF THE GOVERNMENT INCENTIVES SUCH AS:
1) Help to buy
2) First home scheme
3) Affordable home schemes
4) Retrofitting grants
5) Predict home scheme
OUR MORTGAGE APPLICATION PROCESS
1) Have an initial fact-finding call with the client in order to understand what mortgage they are looking for and to gather the relevant details from them so that we can do some calculations on their mortgage options.
2) We then put these details into all of the mortgage providers calculators and compare the results from each lender on the following parts.
a) The max mortgage offered.
b) The cheapest rate available.
c) The terms offered.
d) The cheapest monthly repayment.
e) Any cashback offers available.
f) Any other notable advantages of any provider.
3) We will have another meeting with the client to explain these findings & recommend the best provider that suits their needs.
4) If the client is happy to proceed, we then gather the relevant documentation off them and submit to the recommended provider on their behalf.
5) We then Liase between the client, the bank, solicitors, the valuers etc until the mortgage is drawn down.
6) We also educate our clients on the various government incentives available to them help to buy, home equity scheme, derelict home scheme, retrofitting grants etc.
WHY APPLY FOR A MORTGAGE THROUGH A BROKER AS OPPOSED TO GOING DIRECT TO YOUR BANK
- A multi-agency mortgage broker like Money Maximising Advisors Limited will compare mortgage offerings from all of the mortgage lenders in Ireland, including your Local Banks offer. If you go direct to your bank, there is no comparison conducted which means that there may be a better offer available to you that you are unaware of.
- The terms offered by mortgage brokers are the same offer a customer is given from going direct to the bank, so why wouldn’t you analyse the whole marketplace before you make your decision.
- There is no extra charge/fee or penalty applied to the client for using a mortgage broker.
- Some mortgage brokers charge a fee to clients but at Money Maximising Advisors, we don’t charge any fee for this service.
So how do mortgage brokers get paid?
Mortgage brokers get paid by the mortgage lender once the mortgage is drawn down. Please note we only get paid when your mortgage is drawn down…so it’s in our interest as well as yours that your application is successful…so rest assured, we are on your side.
SUMMARY OF FEES & CHARGES
How do we get paid for our services?
- The mortgage lenders pay us if our clients complete the drawdown of their mortgage, so if you think about it we only get paid and we are definitely on your side.
- Please note that all providers pay us the same and we have no affiliation with any particular lenders, so rest assured we will recommend the best mortgage lender for your mortgage application.
- There is no extra charge/fee or penalty applied to the client for using a mortgage broker.
- Some mortgage brokers charge a fee to clients but at Money Maximising Advisors, we don’t charge any fee for this service.