The Best Mortgage Adviser Ireland 2022, Ultimate Guide

The process of applying for a mortgage can often be very daunting and filled with uncertainty, but not if you get the right mortgage adviser. Find out what to look for with our mortgage adviser ultimate guide Ireland 2022.

mortgage adviser

In this article, we aim to outline what a mortgage adviser is, why you should consider going to one, and how to find the best one for you.

  1. What is a Mortgage Adviser Ireland 2022?
  2. Why should I go to a Mortgage Adviser Ireland 2022?
  3. How do I find the right Mortgage Adviser for me?
  4. Summary Mortgage Adviser Ultimate Guide Ireland 2022

Top Mortgage broker comparison

BrokerFree*100% OnlineAll LendersOn-going Support One on One ServiceRecommended by
BestinIreland.com
moneysherpaYYYYYY
Local Brokers€100-500No3-5NYN
DoddlYYYNNN
IMCY**YYYYN
mortgages.ieYYNNNN
* for property specific mortgages over €100K ** for loans over €175,000

What is a Mortgage Adviser? Ultimate Guide Ireland 2022

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A mortgage advisor is a qualified professional who aims to find the best mortgage deal for you given your personal circumstances.

With over 250 mortgage products offered by 9 different lenders in Ireland, it’s no wonder so many struggle to find the best mortgage for them, and end up going with a mortgage that could lose them thousands in the long run.

A mortgage adviser will help you work out how much you can afford to borrow and use their knowledge of the market to find the best deal available.

When looking for the best deal out there, a good mortgage adviser will;

  • Talk with you to figure out what you can afford to borrow given your financial situation
  • Search the market for the best deals available
  • Compare deals offered by lenders
  • Tell you about different deals to help you find one that best suits you

Why should I go to a Mortgage Adviser? Ultimate Guide Ireland 2022

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There are many benefits to seeing a mortgage adviser, as a good mortgage adviser will;

  • Look at your financial circumstances to find a deal that best suits you
  • Use their knowledge of lenders to find ones that are right for you
  • Access exclusive deals not available directly
  • Help you with the paperwork that comes with applying for a mortgage
  • Help you find a deal that you are likely to get

A mortgage advisor can help lift the burden that comes with applying for a mortgage.

By using their connections and knowledge of the market, mortgage advisers can help find a deal that is affordable and right for you.

Finding a deal yourself can be a long and difficult process. Mortgage advisers are there to save you time and effort, and may even be able to find you a deal you can’t on your own.

How do I find the right Mortgage Adviser for me? Ultimate Guide Ireland 2022

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There are many factors you should take into consideration when looking for a mortgage adviser, such as;

Type of mortgage adviser

Mortgage advisers can either act independent or work on behalf of a lender. It’s important to know if you’re mortgage advisers is working for a financial institution, as this can impact their advice.

It’s also important to see how many lenders your mortgage adviser works with, as mortgage advisers who only work with a certain amount of lenders can only offer you a limited amount of deals.

An independent mortgage adviser will show you deals from many different lenders as they are not tied to only one, meaning you can choose from a wider range of lenders and deals.

Fees

Some mortgage advisers will not charge their clients, as they’re paid a commission based on the value of their clients mortgage once it has gone through.

Yet some mortgage advisers may charge their clients a flat fee of €100-€150. Other advisers may charge their clients a commission based on a percentage of their mortgage. This can be a problem if you are looking to take out a large mortgage.

Always ask mortgage advisers about their fees before deciding who to go with.

Qualifications

It’s important to find out what qualifications your potential mortgage adviser has. Before going with a certain advisor, check that they;

  • Are a Qualified Financial Adviser (QFA)
  • Are an Accredited Product Adviser (APA)
  • Are registered with the Central Bank of Ireland

It’s vital that the advisor you go to has the right qualifications to give you accurate financial advice when it comes to your mortgage.

Find out more on how the Central Bank regulates mortgage advisers here.

Summary – Mortgage Adviser Ireland 2022, Ultimate Guide

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In short, mortgage advisors are professional financial advisers who are there to act in your best interests and find the best mortgage for you.

Mortgage advisers help ease the stress of applying for a mortgage by figuring out what you can afford to lend, getting and comparing deals from lenders and finding the best one for you.

Next Steps – Mortgage Adviser Ireland 2022, Ultimate Guide

BrokerFree*100% OnlineAll LendersOn-going Support One on One ServiceRecommended by
BestinIreland.com
moneysherpaYYYYYY
Local Brokers€100-500No3-5NYN
DoddlYYYNNN
IMCY**YYYYN
mortgages.ieYYNNNN
* for property specific mortgages over €100K ** for loans over €175,000

We at moneysherpa have qualified financial advisors on hand to help you find the best mortgage deal for you. If choose moneysherpa as your mortgage adviser, you will;

  • Get our expert opinion free of charge
  • Have a wide range of options from a wide range of lenders, as we act independent from financial institutions
  • Have your paperwork dealt with digitally in one of our free online calls
  • Get comprehensive advice on all your options to find the best deal to suit your personal circumstances
  • Get our lifetime best rate guarantee, meaning our sherpas will always check the market to switch if we find a better deal for you
  • Have all your questions or queries answered by our team of professional mortgage advisers

Start your application online with moneysherpa here

You can book a free, no obligation video chat with the mortgage sherpa team here.

Read more about the mortgage sherpa team here.

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Suzanne Powell
Suzanne Powell
14/03/2023
Lovely to deal with. Sound, honest, unbiased advice with no pressure. They'll tell you what is genuinely best for you. Would highly recommend.
Lee Palmer
Lee Palmer
09/03/2023
Great service. Highly recommended. Couldn't speak more highly of Gavin and team for making the whole experience as seamless as possible. Thanks all who were involved.
Eve Quigley
Eve Quigley
26/02/2023
Cost of living challenges, seeing prices increase daily on everything from utilities, basic essentials and services made me re-evaluate my outgoings and where savings could be had. That included my mortgage, every article I read recommended reaching out to a mortgage expert. I have no regrets in contacting Moneysherpa, I contacted three experts and only they responded. Having delved into the world of mortgages, done my own research I knew my best option would be to stay with my present provider and fix my rate, they concurred and by doing so ultimately wouldn't have made a financial gain on my ask but were still willing to share their invaluable expertise with me and that counts for a lot. They were professional, knowledgeable and offered me sound advice. I have since recommended to family/friends. Thank you Nikki and your team, I appreciate your time and words of wisdom. Best wishes to you and your company.
David O'Shea
David O'Shea
17/02/2023
Daire and the team helped me with a recent mortgage switch. Fantastic service from my first call with Daire through to completion. If you are thinking about switching mortgage then the first thing you should do is contact these guys. I am so glad I did!!
Julie Gleeson
Julie Gleeson
03/02/2023
I was delighted with the service I received from the moneysherpa team. So efficient, friendly and on point with everything. Highly recommended them.
James Grace
James Grace
02/02/2023
I used Moneysherpa when switching my mortgage provider at the end of 2022. Petrina was very helpful when detailing the different options available and working through the process. The online platform for uploading all the various documentation is very user friendly and clearly lists out what is uploaded and still outstanding. Louise then took over for the drawdown stage and answered any questions we had. I would definitely recommend Petrina and the team to anyone planning on switching their mortgage.
Gary Meade
Gary Meade
25/01/2023
Great to see a “modern” mortgage service in Ireland. Everyone knows a mortgage application can be extremely time consuming and document heavy but with everything being “online” made such a difference. Highly recommend Petrina from discussing our options from the outset and any curve balls that came our way during the process. Damian (jacobs law) and Niki in Money Sherpa. Highly recommend. Thanks everyone
Dara Gannon
Dara Gannon
16/01/2023
Had a very informative consultation with Kinga who answered all our questions and gave us sound and impartial advice. Top class service. Thanks!
Brian Carpenter
Brian Carpenter
20/12/2022
Great service...a pleasure to deal with & very prompt with responses to any queries. Would recommend to anyone.
Edwin Nienhuis
Edwin Nienhuis
20/12/2022
Very good service by the MoneySherpa team in helping us switch our mortgage earlier in the year. First an introduction call, explaining the service and next steps in detail followed by the creation of a personalised portal where you can upload all your documents and track the mortgage application process.
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