Apply for a mortgage online.

Mortgages in Ireland have yet to establish a truly ‘online’ presence, so if you got here by searching for an ‘online mortgage’ or something along those lines then I’ll break the bad news first, it ain’t gonna happen. What you can do is make an initial mortgage application online via this site, and one of the representatives from Irish Mortgage Brokers will call/email you back.

The actual process generally tends to be that you will speak to a qualified consultant (our team have qualifications varying from ACCA <accountant>, QFA <qualified financial adviser> to LIAM(dip) <mortgage diploma> along with various university certificates, diplomas and degrees in many topics), your consultant will help determine what you can or cannot obtain in the lending market for a property purchase and from that point it will be up to you to decide if you’d like to proceed.

After that you will (usually) meet with us and we’ll gather the various documents the bank need to underwrite the mortgage and …

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Apply for a mortgage online

There has been so much progress in the mortgage market, and nowadays so many companies have your information on file that many people reckon you can easily apply for a mortgage online, surely it wouldn’t be that big a deal right? In many cases you should also be able to get your conveyancing done in a similar manner with minimal upset, but in every respect there is almost no progress in terms of online trading for mortgages.

There are several software solutions that send information to a lender but none of them offer an actual ‘suite’ solution, by that we mean sending information, property auto-tagged pdf scans of documents, and the ability to synchronise updates so that a person can effectively deal with a lender over the web.

Every site you go to that says ‘apply online‘ is really saying ‘fill in our form and we’ll call you’ because there isn’t a way to fully apply for a mortgage online at present, and the job of …

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Hedgefunds, risk, and finding the silver lining of any dark cloud.

Here is a simple question: ‘how do you protect or even augment your portfolio returns when markets are crashing or where there is systemic risk?’ if you have an answer then you can be a little smug because the majority of fund managers, the best and brightest the world of finance has to offer, for the most part didn’t have an answer during the last two years and if they did they didn’t (by and large) act upon it.

The classic definition of a hedgefund is not the ponzi-schemes run by the likes of Bernie Madoff, rather it was a fund that strategically goes long and short to produce positive gains regardless of whether the market goes up or down, that was what Winslow Jones was doing when he started the first hedge fund in 1949, while managed fund managers are happy to post a 20% loss when the averaage is -30% (for instance), hedgefund managers are meant to be able to …

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Apply for a mortgage, one buyers story

Today’s post is brought to you buy Keith Sheeran, it is a clients story on the mortgage process, sometimes in industry we spend so much time on one side of the table that we forget what it is like to be on the other, this post is a good reminder (for brokers) of what it is like for our clients when they deal with us…. I was a little dubious about applying for a mortgage, but my father has just retired and he said that he would give me some money as a deposit to help buy a house.

When I heard this I must admit that I was delighted. I was half tempted to go to the nearest VW garage and buy that convertible I have always wanted. However, sense prevailed, and I was quickly reminded by my Dad that the money was for a deposit only. Whilst everyone is giving out about the property market, I understand there is really good value out there and I would be getting …

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