Howard Financial Services Limited · CBI Reg C430229
Impartial mortgage brokering from a qualified, CBI-regulated adviser who works for you — not for a bank.
Howard Financial Services exists because buying a home is one of the biggest financial decisions most people will ever make — and they deserve advice that puts their interests first. Not a bank's targets, not a sales quota. Just the right mortgage for their situation.
That sounds simple, but it's rarer than it should be. Most people get their mortgage from the bank they already use. That bank will offer you their products and only their products. An impartial broker does something different: they look across the full panel of lenders, compare rates, criteria, cashback, and flexibility, and find the option that genuinely fits you — not the one that happens to be on the counter.
What "impartial advice" actually means
Francis Howard isn't tied to any single lender and receives no preference fee for placing business with any particular bank. Every application is assessed across the full active panel — and the recommendation is based on what's right for your circumstances, not what pays the best commission.
The current lender panel includes:
Francis Howard is a Qualified Financial Adviser (QFA), Retirement Planning Adviser (RPA) and Specialist Investment Adviser (SIA) — three separate professional qualifications recognised by the Central Bank of Ireland. He is regulated by the CBI under registration number C430229.
QFA
Qualified Financial Adviser
The primary professional qualification for financial advisers in Ireland, awarded by the Irish Institute of Banking.
RPA
Retirement Planning Adviser
Specialist qualification in pension planning and retirement income strategy.
SIA
Specialist Investment Adviser
Advanced qualification covering investment products and portfolio advice.
MDRT Top of the Table
Million Dollar Round Table
An internationally recognised standard of excellence. Top of the Table is the highest tier, achieved by fewer than 1% of MDRT members globally.
Francis has been advising mortgage clients since 2018, arranging hundreds of mortgages across Cork, Dublin and the rest of Ireland — from straightforward first-time-buyer cases to the kind other brokers and banks have already turned away. That track record shows in a 5-star rating on Google.
The cases we're asked about most:
The technology approach
IWantAMortgage.ie is how a traditional broker should work in 2026. You can check your options in about 60 seconds, free and with no registration, because the technology checks your situation against every lender’s real criteria before you speak to anyone — the same criteria Francis uses, running server-side.
But you’re never talking to a system. The technology does the legwork — gathering your figures, flagging the lenders that fit, organising your documents — so that Francis can spend his time on the part that actually needs a human: the advice. Every assessment is reviewed by a CBI-regulated adviser.
Clear explanations, no jargon. If something is complicated, we'll walk you through it until it isn't. If a product isn't right for you, we'll tell you that too — even if it means sending you somewhere else.
From your first enquiry through to drawdown, you'll have one point of contact who knows your file. No handoffs to a call centre, no chasing. Just straightforward support all the way through.
Ready to get started?
Use the free calculator for an instant indicative result, or get in touch directly — no commitment required.
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.
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