Last Sunday’s Business Post coverage on AIB’s “dual pricing” policy has sparked an important conversation within Ireland’s mortgage market , one that directly affects transparency, competitiveness, and fairness for customers.

At Irish Mortgage Corporation, we believe that every borrower deserves access to the same competitive rates, regardless of whether they go directly to a lender or through a regulated intermediary like IMC. Bank Of Ireland and PTSB are two good examples of where this works well, i.e. the same home-loan rate offering is available whether you go to your local branch or go to a broker.

Dual pricing, where a bank offers different rates across channels, risks creating confusion and undermining consumer trust.

Brokers play a vital role with nearly half of all new mortgages in Ireland now coming through intermediaries which reflects the confidence homebuyers place in broker-first, professional advice.

We continue to advocate for:

Transparent and consistent pricing across all lenders and channels.
Equal access for consumers to the best mortgage terms available.
Collaboration between lenders and brokers to strengthen customer confidence and market fairness.

Our focus has always been on helping clients make informed decisions through honest comparison and expert guidance. A transparent, competitive market benefits everyone and most of all, the Irish consumer.

If you’re a first-time buyer, trading up, or considering switching your mortgage for a better rate, now is the time to explore your options.

Our team of expert advisers can help you compare the full market and secure the deal that’s right for you.’