Leo Turley (QFA)

Three Decades of Answers in one article

When you have spent more than 30 years giving mortgage advice, you start to hear the same question again and again: “Why should I use a broker instead of just going to my bank?”

The answer is simple – we make the mortgage process easier, faster and more cost effective.

More lenders, more options, one application

Every mortgage case is different. Income, employment type, bonuses, credit history, family circumstances – no two applications look the same. That is why relying on a single bank never tells the full story.

As a broker, we work with multiple lenders, including banks and non-banks. We know who is sharpest on rate, who is strong for certain professions or income types, and who is more open to higher loan to income or flexible terms. Instead of you doing the ring around, we compare those options for you and highlight the ones that genuinely fit your situation.

We know what each lender is really looking for

From the outside, a mortgage can feel like a black box: you send in documents and hope for the best. On the inside, every lender has its own rulebook:

How they treat overtime, commission or bonuses
How they look at dependants or childcare costs
How strict they are on past missed payments
How they view self-employed income or contract work

Our job is to match your profile to the lenders most likely to say yes – and to shape your application in a way that answers their questions before they are even asked. That means less back and forth, fewer surprises and a smoother path to approval, whether you are a first time buyer, trading up, trading down or switching lender.

We save you time (and sanity)

A mortgage involves far more than filling out one form. There are follow up questions, extra documents, valuations, approvals in principle, loan offers and drawdown conditions. Handing that entire process to someone who does it every day is a relief for most clients.

As your broker we:

Collect and check your documents
Package your case for the right lender
Deal with the banks and underwriters
Keep you updated on progress and what happens next

You focus on your life, your work and your home search. We focus on getting the mortgage over the line.

Our advice is free to you

Our service is typically free for clients. We are paid by the lender after your mortgage successfully draws down, not by charging you a fee. You will still have the usual costs like legal fees, valuation and, in some cases, a survey – but our advice and case management do not add to that bill.

All we usually ask in return is that, if you are happy with how we looked after you, you recommend us to family, friends or colleagues.

A broker for the whole journey

A good broker should not disappear once you get an approval letter. At Irish Mortgage Corporation, we stay with you from:

First chat and affordability check
Application and approval
Choosing your rate and lender
Managing conditions, drawdown and keys
Future reviews and potential switching opportunities

Every mortgage is a journey, and every journey is different. Our role is to walk it with you; from the moment you start asking questions to the day you get your keys, and beyond.

If you are thinking about buying or switching, you do not have to navigate it alone.