Howard Financial Services Limited · CBI Reg C430229
A digital mortgage service with a personal touch — check your mortgage options in 60 seconds, free, then speak to Francis whenever you’re ready.
We will guide you through every step on your mortgage journey — from your very first eligibility check, through your application, all the way to the day the keys are in your hand.
Start my application →Free eligibility check · 60 seconds · No registration to see your result
Call us
Offices in Cork and West Cork — serving clients nationwide by phone and Microsoft Teams.
★★★★★ 5-star rated on Google
Reviews earned by Francis over his years advising clients, including his time working at Clonakilty Mortgage Broker.
★★★★★
“What is a complex and sometimes confusing and stressful process was made so much easier by Francis. He guided me through the whole process and explained each step of the way.”
— Dolores F.
✓ Verified Google review · 2 years ago
★★★★★
“Having tried a couple of brokers and banks previously, Francis held our hand through the whole process. Their advice and guidance was second to none.”
— jon M.
✓ Verified Google review · 5 years ago
★★★★★
“Amazing service. I could not recommend Francis and his team enough. They took care of everything from the get go to help us get our mortgage.”
— Sinead O H.
✓ Verified Google review · 3 years ago
★★★★★
“As a first time buyer I couldn't recommend them enough — they have helped me navigate my first purchase and nothing has ever been too much hassle. Fantastic service!”
— Leaslaoi C.
✓ Verified Google review · 6 years ago
★★★★★
“Francis and his team are consummate professionals. For me it was a long and winding process but they were there every step of the way, guiding and advising so I got a bespoke service that I am more than delighted with. Have my keys and am a happy home owner!”
— Sandy H.
✓ Verified Google review · 6 years ago
Get our free 7-day mortgage guide: How to get mortgage-ready in Ireland
Howard Financial Services Limited is regulated by the Central Bank of Ireland (C430229). The 7-day guide contains general information only and does not constitute financial advice.
Howard Financial Services Limited · CBI Reg C430229
We will never share your email with third parties. Privacy Notice
Instant results. No registration required.
🏠
Mortgage eligibility check
See how much you can borrow in 60 seconds.
Check my eligibility →🔄
Mortgage switcher
Could you save money by switching? Find out in 60 seconds.
Calculate my saving →🏘️
Buy to let calculator
Check if your investment property stacks up.
Run the numbers →🏡
First Home Scheme
Calculate how much FHS could contribute.
Calculate my FHS →💰
Help to Buy
Estimate your HTB refund in seconds.
Estimate my HTB →📊
Stress test calculator
See your repayment at the stressed rate (rate + 2%).
Run the stress test →🏆
MDRT Top of the Table
Qualifying Top of the Table member of MDRT — Premier Association of Financial Professionals.
🔒
CBI Regulated
Howard Financial Services Limited is regulated by the Central Bank of Ireland (C430229).
⚡
Fast & free
Get your indicative result in minutes. No credit check, no fees, no commitment required.
Most lenders lend up to 4× your gross annual income, subject to affordability and the Central Bank loan-to-value limits (90% for first-time buyers). Our free Irish mortgage calculator checks your figures against the panel lenders' criteria so you know where you stand before you apply.
First-time buyers need a minimum 10% deposit (90% loan-to-value). The Help to Buy scheme can provide up to €30,000 towards the deposit on a new-build home.
Yes. Our online Irish mortgage calculator gives an indicative borrowing figure across our lender panel in minutes, with no credit check and no obligation.
A broker compares across our lender panel for you, checks your eligibility against each lender's real criteria before you apply, and handles all the paperwork. Some brokers charge an advice fee — at IWantAMortgage.ie our fee is €300, once. That covers your full assessment across our lender panel, preparing and submitting your application, and support at every step through to the day the keys are in your hand, with no further fee at any stage. The lender also pays us a procuration fee of 1% of the mortgage amount on completion, which we disclose to every client.
We are a mortgage broker based in Cork (Clonakilty / West Cork) and work with clients across Ireland, including Dublin, remotely.
The free eligibility check costs nothing and requires no registration. €300 in total, paid once when you proceed to a full assessment — and that's it. It covers your full assessment, preparing and submitting your application, and us staying with you through every step: approval in principle, loan offer, drawdown, right up to keys in hand. There's never a second fee from us. The lender also pays us a standard procuration fee of 1% of the mortgage amount on completion — disclosed to every client in writing before submission.
Warning: If you do not keep up your repayments you may lose your home.
Howard Financial Services Limited T/A IWantAMortgage.ie is regulated by the Central Bank of Ireland (C430229). Member of Brokers Ireland.
Registered in Ireland, Company Registration No. 659301. Registered Office: 2 Mountain Common, Ardfield, Co. Cork. Director: Francis Howard.
© 2026 Howard Financial Services Limited. · Fees · Remuneration · Complaints procedure