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Applying for a mortgage

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  • 07-09-2014 3:20pm
    #1
    justasknow
    Registered Users Posts: 9 ✭


    Should i go through a Mortgage advisor or directly through the banks when applying for a mortgage which would be the best option??

    Would my own bank charge me if i take my mortgage out with them?

    How much would a mortgage advisor charge?

    Any feedback would be great :-)


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    #2
    robnet77
    Registered Users Posts: 461 ✭✭robnet77


    there are websites which compare rates offered by banks in Ireland, I didn't go to an "independent" mortgage advisor but went to AIB and BOI directly, after some research, but there are other options as well.
    No banks will charge you for applying, not sure what you meant there.

    They will review your situation, ask you to provide some documents and will then issue an approval in principle document.
    With that in your hands and a deposit to the seller, you can go sale agreed on a property, then you should finalize the mortgage application by accepting the proposal from the chosen bank, related to the property you identified, at the conditions they set.


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    #3
    o1s1n
    Registered Users Posts: 34,961 ✭✭✭✭o1s1n
    Master of the Universe


    Chat to Killers1 on here, he's the man. Got me (and many others on here) mortgage approved without much hassle :)


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    #4
    TrishSimon
    Closed Accounts Posts: 206 ✭✭TrishSimon


    I'm using a guy called Declan O'Boyle he is based in Phibsboro and is brilliant I can PM you his details if you require them.


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