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A transparent breakdown of what we charge — and what we're paid by lenders and insurers.
€0
Fee for Irish resident home buyers & switchers
1%
Standard lender commission on mortgage drawdown
3%
Typical annual renewal commission on protection policies
We do not charge fees to Irish resident home buyers or switchers.
We are one of Ireland's leading mortgage advisers. We are an experienced team of qualified mortgage, life insurance and financial professionals. Our key role is to understand your needs and recommend the most suitable financial product to meet those needs.
Fees are payable in advance of case submission for the following mortgage categories:
Lenders pay us a mortgage arrangement fee/commission of 1% of the mortgage when the loan draws down. Our lenders include AIB Group (Haven Mortgages), Bank of Ireland, Permanent TSB, Avant Money, Nua Money and ICS.
Initial commission is the payment we receive from life insurers for recommending the most suitable product to meet your needs and for arranging the policy:
~1.6×
the annual premium
Royal London
~1.5×
the annual premium
Zurich
~1.5×
the first year's premium
Aviva, New Ireland & Irish Life
We also receive a small renewal commission each year, typically 3% of the annual life insurance premium. For example, if the annual policy cost is €300, we would receive a renewal commission of €9 per annum.
Fee and commission rates are reviewed periodically and may change. If you would like the current figures confirmed in writing before proceeding with an application, please contact us on 01 832 7250.
Shane Lavin, Chartered Accountant, Director.