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"... I was unsure of the options offered by the banks and building societies.

MoneyBack Mortgages not only made the whole process easy to understand but dealt with all the paperwork.

The commission refund came in very useful too!
"
A home buyer
Clonsilla


"MoneyBack Mortgages find you the best mortgage, but they also give you the commission back!"
Jill Kirby
Mortgage & Finance


"Borrowers should not expect comprehensive advice unless they go to a fee-based broker such as MoneyBack Mortgages, which offsets the cost to borrowers - and more - by refunding the commission it receives."
Bill Tyson
The Irish Times
 
Irish property

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Irish Mortgage Advice - IMPORTANT!

Apply for a mortgage
Apply now

Want to know how to get the bank to pay you for taking their mortgage?

Take a minute to read this page because the bank won't tell you this and neither will most brokers!

Irish Mortgage lenders want your business so they pay commissions to mortgage brokers who refer you to them for a home loan.

Find out how you can turn that to your advantage rather than having it work against you.

You can pocket the commission
and guarantee that you get the best mortgage deal at the same time.

How it works
Example savings
Get started now!

Getting a Mortgage

If you don't have time to read this now, click here to bookmark this page.

But make sure you do find time before committing to a mortgage. You could save at least a month's salary and we all know that saving it is easier than working for it!

Like us, you could be gobsmacked at the deal MoneyBack Mortgages offer. It's the kind of deal even Eddie Hobbs would approve of.

Alternatively, if you don't have time right now, just click here and we'll email a link to you or a friend.

Here's how MoneyBack Mortgages works

Irish Mortgage lenders (building societies & banks) want your business so they pay commissions to mortgage brokers who refer you to them for a home loan.


The first problem: Most brokers tell you they work for you for free - and they do - but they pocket the commission. If one lender pays 1% and another pays 0.5%, which one do you think will be recommended?

Only one broker, MoneyBack Mortgages, give the commission back to you so you know that the commission paid is not a factor in their recommendation - plus, it's a nice windfall for you just when you need it most.

The second problem: Most people who organise a mortgage for you are agents for only one or two lenders. How do you know that one of these is the best lender for you? - you don't. MoneyBack Mortgages deal with all the main lenders in the Irish market.

Remember that some lenders pay higher commissions than others and one lender may pay higher commissions on one type of mortgage than another. Given that the lender your broker recommends to you can make a huge difference to the commission he earns, can you be content that the broker forgets all about that and chooses a lender based purely on your best interests?

MoneyBack Mortgages charge you a fee but give you back a refund from any commission they earn from the lender.

What struck me, apart from the 'commission-refunded' bit, was that this arrangement removes any temptation to recommend a particular lender based on the commission the broker might get - because MoneyBack Mortgages give that back to you anyhow! They are paid the same regardless of who they arrange your mortgage with.

So I got in touch with Nick at MoneyBack Mortgages and asked him about MoneyBack Mortgages service.

It turns out to be even better than I thought.

Here's how it works:

  • MoneyBack Mortgages charge you a fixed fee of €499 for a standard mortgage (don't worry, just read on).
  • MoneyBack Mortgages then set about finding you the best mortgage from their panel of lenders operating in the Irish market, not just 1 or 2, and most importantly, without being influenced by which one pays what commission.
  • MoneyBack Mortgages refund the commission they receives as 'MoneyBack' to you. That's how you know they're not recommending a lender based on the level of commission being paid by the lender!
  • For the €499 fee, Moneyback Mortgages do the research, the paperwork and they will also advise on and arrange your home and life insurances.

Let's look at a typical mortgage example

Say you are applying for a €300,000 mortgage from the highest commission paying lender
 
You arrange it
MoneyBack Mortgages
Fee
€0
€499
MoneyBack
€0
€1,875
Net refund to you
€0
€1376

That's cash in your pocket of €1376 and it doesn't take account of any savings you might make on the mortgage repayments, house insurance or life insurance. Remember, MoneyBack Mortgages have no incentive to recommend anything but the very best deal for you - they get paid exactly the same anyhow. If there's a commission to be paid, you get it, not the broker.

Which Irish lenders?

Many brokers work with only one or two lenders or insurance companies so how can they get you the best deal available?

MoneyBack Mortgages
works with all these Irish mortgage lenders and insurance companies:

Allied Irish Bank
Haven Mortgages (Broker arm of EBS Building Society)
ICS Building Society (Broker arm of Bank of Ireland)
Permanent TSB
KBC Homeloans
Seniors Finance Ireland Ltd
Home Choice Loan (Irish Government Backed Mortgages)
Zurich Life
Aviva
Friends First
Caledonian Life
New Ireland
Canada Life
Irish Life
AXA
Benchmark
Dolmen Insurance Brokers
RSA
Wrightway Insurance
Sertus Insurance

Let's look at another example

Say you are applying for a €300,000 mortgage from the lowest commission paying lender
 
You arrange it
MoneyBack Mortgages
Fee
€0
€499
MoneyBack
€0
€900
Net refund to you
€0
€401

That's cash in your pocket of €401 and it doesn't take account of any savings you might make on the mortgage repayments, house insurance or life insurance. Remember, MoneyBack Mortgages have no incentive to recommend anything but the very best deal for you - they get paid exactly the same anyhow. If there's a commission to be paid, you get it, not the broker.

What should you do now?

Even if you have already decided who you want to get your Irish mortgage from, it makes sense to check it with MoneyBack Mortgages first - you literally can't lose! They'll give you a quote so you can see how the numbers stack up.

Give it a try and let Nick and his team at MoneyBack Mortgages show you what they can do. You can apply online right now for a no-obligation quote - use the MoneyBack Mortgages online mortgage application. The form looks fairly long but it's not as bad as it looks!

Alternatively, if you have an enquiry before submitting an application, you can click here to email MoneyBack Mortgages.

If you don't have time to complete it now, don't forget to Bookmark this page and come back to it later.


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