Understanding your needs
At Money Plus we understand that everyone’s mortgage needs are different. We have experience of arranging mortgages, so whether you are buying your first home, purchasing an investment property, making that next step on the property ladder or simply changing your mortgage for a better deal, we are here to help.
Be it for an investment or your dream home, buying a property can be a daunting experience. However, it really is quite simple and being informed can make the experience of buying a property a lot easier and more enjoyable.
We have embraced internet technology to provide you with up-to-date information from all lending institutions reflecting our total commitment to independent advice. 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 selecting a mortgage provider.
Lending criteria differs from lender to lender
There is significant variation in lending practices between the mortgage lenders in Ireland. These differences range from varying loan to value ratios (ltv’s) 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.
Identical Mortgage Applications will yield quite different lending decisions from lending institutions in the marketplace. The differences invariably relate to amount, rate or term. This inconsistency demonstrates the strongest reason why one should use the services of an independent mortgage broker.
By constantly monitoring the products on offer we can identify products and rate offerings which in certain circumstances may have particular appeal to clients.
- Three recent payslips
- Last six months bank statements current and savings account
- Last six months credit card statements
- Last 12 months mortgage or loan account bank statements if applicable
- Credit Report online issued from the Irish Credit Bureau
- Most recent P60
- Last three years Financial accounts and revenue returns if Self Employed. (two years sufficient for some lenders).
- Tax Clearance Certificate for self employed.
- Identification document; Passport or drivers licence in date
Other documents may be required depending on your particular circumstances
We regularly update mortgage rates from all the Irish mortgage lenders we have access to 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. By being familiar with the mortgage market and by having access to numerous lenders means that we can provide you with a mortgage facility that meets your long term requirements. We are confident we can source a suitable product for you from the list of lenders with whom we hold an appointment.
Mortgage Applications take time to process and progress. We charge a fee of €500 when arranging a mortgage. Please see our Terms of Business.
We represent you (not the lending institutions) and we recommend the Mortgage that is most suitable for you given your personal set of circumstances.