Mortgage Horizons has been established since 2004 and is regulated by the Central Bank of Ireland (CBI) to operate as a Mortgage Intermediary. We have agencies with 6 lending institutions including all the main banks and can therefore offer you the customer free and impartial advice on which mortgage is best for you, based on your circumstances. Mortgage Horizons act on your behalf to package and present your application to the lender or lenders that you would like to apply to. We liaise with the lenders(s) until your funds are available to drawdown and are on hand to assist you with other related issues you may have e.g. legal or valuation processes..
We are able to offer free and impartial advice as we are paid by the lending institutions once your loan is drawn down and we do not charge customers a fee. We receive the same fee from whichever lender you take your mortgage with therefore there is no bias towards any particular lender.
The reason for you choosing a curtain lender will depend on your requirements and circumstances and Mortgage Horizons can advise you on what your options. We will therefore be able to assist you in understanding your eligibility, making your decision on the mortgage you would like to take and the information you will need to provide.
The lenders that we offer mortgage from are:
- Bank of Ireland
- Ulster Bank
- Permanent TSB
- AIB – through Haven (their broker channel)
- Finance Ireland
These lenders offer a range of products and Mortgage Horizons can help you choose, apply and drawdown your mortgage.
Mortgage horizons can assist you in many different situations eg for Home Loan, Self-build, Buy to Let Investment or Holiday Home. We can also help you Switch mortgage providers to avail of better interest rates through our Mortgage Switching platform www.doddl.ie
Different lenders have different lending criteria and also the CBI has certain lending rules to be adhered to so we can help you understand this, depending on what your personal situation and goal is.