How It Works — Your Mortgage Journey with IWantAMortgage.ie

Smart tools handle what tools are good at. Francis handles the rest — personally. Seven stages, honestly labelled.

Online

Self-serve, any time

Personally managed

Francis, directly

ONLINE — SELF-SERVE

1. Discovery & First Look

You explore the site, run the free calculator, and get an instant indicative result — Qualifies or Refer — based on your income, deposit, and purchase type. No bank names are shown yet, no data is stored, and no one is waiting at the other end. It's entirely yours to use at your own pace.

ONLINE — SELF-SERVE

2. Initial Qualification

Real lending criteria are checked against actual Irish lender rules: income multiples, loan-to-value limits, age-based term caps, employment type restrictions. You get an honest answer — not a guess shaped by what you want to hear. If the numbers don't work for a particular lender, that's shown clearly.

PERSONALLY MANAGED BY FRANCIS

3. Personal Assessment

Francis reviews your full case personally. AI tools help him work faster — processing notes, drafting summaries, checking consistency — but the judgement is his, the advice is his, and the relationship is entirely human. This is where the complexity gets resolved: unusual income, previous credit issues, non-standard property types, separation buyouts. Nothing is templated.

ONLINE PORTAL + PERSONALLY MANAGED FOLLOW-UP

4. Document Collection

You upload documents through a secure client portal — payslips, bank statements, ID, Employment Detail Summaries — at whatever pace suits you. Francis personally reviews everything as it comes in, flags anything missing or unclear, and follows up directly. The portal handles the logistics; the checking is done by a person.

PERSONALLY MANAGED BY FRANCIS

5. Lender Submission

Francis selects the right lender for your circumstances — not the highest-commission option, but the one that genuinely fits — prepares the full application package, and submits it directly. He manages the lender relationship throughout, handling queries and chasing decisions so you don't have to navigate bank bureaucracy yourself.

PERSONALLY MANAGED BY FRANCIS

6. Post-Approval Coordination

Between Approval in Principle and your Loan Offer, there's more work than most people expect. Francis follows up on lender queries, coordinates the life cover and home insurance documentation the lender requires, and keeps the file moving. This stage is often where deals stall when there's no one actively managing them.

ONLINE SIGNING + PERSONALLY MANAGED COMPLETION

7. Signing & Drawdown

Your Statement of Suitability is signed electronically via DocuSign. Francis coordinates through to drawdown — liaising with your solicitor and the lender to make sure the funds release without delays on the day they're needed.

✓

Drawdown complete — keys in hand.

Warning: If you do not keep up your repayments you may lose your home.

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Howard Financial Services Limited T/A IWantAMortgage.ie · Regulated by the Central Bank of Ireland (C430229)