Why Choose A Broker
Why do I need a Mortgage Broker?
Buying a house can be tough. The mortgage process can typically take up to 60 hours. That's a lot of work – and that's why it's a good idea to let a Mortgage Broker take the weight off your shoulders.
A Mortgage Broker is essentially a middle-person for the mortgage process – a little like the wholesaler in the retail industry. Your Mortgage Broker has access to a wide range of lenders and will help you choose the most suitable one for your situation.
It’s their job to make your mortgage process more easy. They can contact the lender and solicitors. They will be there every step of the way to give professional advice and to help you out with any questions you have along the way.
A source of information
Mortgage Brokers have access to a wide range of lender rates at their fingertips. This means they can advise you on the best lender for your situation. And if you're not ready to apply, they will certainly help you get organised for the future.
Call in the experts
Mortgage Brokers are experts in their field and have years of experience managing mortgages on behalf of their clients, and this will speed up the whole process.
For example, your Mortgage Broker will fill out your mortgage forms and handle the finer details with practised skill, as they know what the lenders are looking for and can explain away any uncertainties
Peace of mind
Cross-checking legal documents can be tedious, and if you're juggling other daily tasks, you may miss a vital piece of information. A Mortgage Broker can ensure everything is covered and ticked off from start to finish.
The final stages of the application are usually the most nail-biting, so it's good to know that your Mortgage Broker will be on standby, making sure that the loan offer is finalised and all terms have been met.
A back-bone of support
Your Mortgage Broker is your trusted confidant at all stages of your mortgage journey. At the beginning, they will talk you through the whole process so you know exactly what's ahead of you. Throughout the rest of your journey, you may have some doubts or less-than-common requests – and that's just fine.
Your Mortgage Broker will be well accustomed to handling any mortgage question, no matter how big or small.
The hard work is done
Getting a mortgage can be time consuming. Your Mortgage Broker will manage this process from start to finish – so you don't have to worry about handling any paperwork or getting admin headaches. As Haven process mortgage applications through Mortgage Brokers, we do not have a home loan mortgage application form however, your Mortgage Broker will let you know what information is required in support of your mortgage application. In addition to this, your Mortgage Broker will gather the information as set out in "Your Haven Mortgage (PDF, 6 pages, 1,802KB)" checklist and will your send your application to Haven using the Haven Declarations, authorisations & consents form (PDF, 6 pages, 1,401KB).
At the beginning, a Mortgage Broker will assess your situation and will do in-depth research into the market. Further down the line, you can rely on your Mortgage Broker to keep the process moving and to keep communication lines open, so you can avoid running to the post office or making calls during your lunch hour. And after your Mortgage Broker has received your mortgage approval in principle, they will liaise with the lender, the lender's valuer and your solicitor.
Points to note
- Mortgage Brokers are regulated by the Central Bank of Ireland.
- All sales enquiries are managed by your chosen Haven Mortgage Broker.
- Haven provides the credit facility under the rules and guidelines of the Central Bank of Ireland.