Schedule of fees

We believe in being clear about what we charge before you commit to anything. Our free initial eligibility check carries no fee. The fee below applies only if you choose to proceed to a full underwritten assessment.

Mortgage advice & application

Our fee — €300, once

Our fee is €300, once. That covers everything: your full assessment across our lender panel, preparing and submitting your application, and being with you at every step of the journey — through approval in principle, your loan offer, and right up to the day the keys are in your hand. No further fee from us at any stage. The lender also pays us a procuration fee of 1% of the mortgage amount on completion, disclosed to every client in writing.

The €300 fee is payable once, only if you choose to proceed to a full assessment. There is no further fee from us at any stage.
The fee is not an indication of mortgage approval. It is notified to the lender and included in the APRC (Annual Percentage Rate of Charge) calculation on your mortgage.
Lenders may charge specific fees in certain circumstances. Any such fees will be specified in your Loan Offer.

Protection, pension & investment advice

For life assurance, pensions, investment and mortgage protection advice, no separate fee is charged to you. We are remunerated by commission from the product producer (via Acorn Brokerage Limited t/a Ask Acorn) on completion of business. Full details of our remuneration arrangements are set out on our remuneration page.

These charges are set out in our Terms of Business. Howard Financial Services Limited T/A IWantAMortgage.ie is regulated by the Central Bank of Ireland.

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.