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Mortgages arranged through Mortgage Brokers in Ireland account for around 40% of all Irish mortgages.

Mortgage Brokers are paid commission by the mortgage lenders - ranging from 0.25% to 1%. This percentage can amount to a fair sum on a large mortgage. You should be wary if a mortgage broker wants a fee from you - they should be making enough from the lenders commission.
Can a mortgage broker be the impartial adviser he is supposed to be if one lender is paying him three or four times more in commission than another?
In Ireland - unlike the USA and UK - mortgage brokers do not have to reveal how much commission they get for arranging your mortgage.

If a mortgage broker chooses one of the more expensive mortgages for you - it could end up costing you thousands in extra interest over the life of the loan. Brokers are required by law to give 'best advice' to the customer, helping him or her to obtain the best terms available for someone of their income, credit repayment history, etc. Irish mortgage brokers should provide customers with a 'reasons why' letter, saying why they recommended the lender they did.

When choosing a mortgage broker - check how many lenders the broker represents - with. Also check if they are certified by the Irish Financial Services Authority and that they have professional indemnity insurance. This is not a legal requirement - but it will provide protection if anything goes wrong. Mortgage brokers in Ireland don't need to have a specific qualification - but there is a mortgage diploma course which can be taken.

Brokers can be very useful for people who have bad credit history or have been refused mortgages. Also - they can help first time buyers to find the lender that will let them borrow the most.
See the latest Irish mortgage rates here.
Brokers might sometimes be able to get deals that the general public might not know about - but if you have the time and don't mind filling in a few forms - then sorting out your own mortgage could work out cheaper.

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