Serving all of Ireland
Mortgage advice from Francis Howard QFA — delivered online to clients in every county, with the real criteria of each lender on our panel checked before you apply.
Find out how much I can borrow →Free eligibility check · 60 seconds · No registration to see your result
IWantAMortgage.ie is run by Francis Howard, a Qualified Financial Adviser (QFA, RPA, SIA) regulated by the Central Bank of Ireland and a Qualifying Top of the Table member of MDRT. We're based in Cork but work nationwide — the entire process runs online and by phone, so where you live never limits the advice you get.
You deal with one named adviser from first assessment to drawdown, not a rotating queue of case handlers.
Lending limits apply the same everywhere: up to 4× gross income and a minimum 10% deposit for first-time buyers. But each lender reads income, contracts, probation, self-employment and affordability differently — so the lender that says yes to your neighbour may not be the one that says yes to you.
We check your situation against the real criteria of each lender on our panel and recommend what actually fits, rather than steering you toward one bank.
The First Home Scheme price limit varies by location: €500,000 in Dublin; €400,000 in Cork, Galway, Limerick, Waterford, Kildare, Meath and Wicklow; and €350,000 in all other counties. FHS can provide up to a 30% equity share, and combined with Help to Buy the total can't exceed 30% of the purchase price.
We factor the applicable county price caps into your full assessment.
Yes. IWantAMortgage.ie works with clients in every county — the free eligibility check, document upload, lender comparison and full application all run online and by phone or video. You get a named adviser, Francis Howard QFA, regardless of where in Ireland you're buying.
Most lenders lend up to 4× your gross annual income, subject to affordability and the Central Bank loan-to-value limits — a minimum 10% deposit for first-time buyers (90% loan-to-value). A limited number of exemptions above 4× are available each year. Our free eligibility check checks your figures against the panel lenders' criteria before you apply.
The First Home Scheme price limit is €500,000 in Dublin; €400,000 in Cork, Galway, Limerick, Waterford, Kildare, Meath and Wicklow; and €350,000 in every other county. FHS can provide up to a 30% equity share and, combined with Help to Buy, the total can't exceed 30% of the purchase price.
Yes — we compare across our lender panel, not tied to any single lender. We check your situation against the real criteria of each lender on our panel and recommend what's most suitable for you. The lender pays us a procuration fee on completion, which we disclose in writing, and it never affects which lender we recommend.
The free eligibility check costs nothing and needs no registration. Our fee is €300, paid once when you proceed to a full assessment — and that's it: it covers your full assessment, preparing and submitting your application, and support at every step through to the day the keys are in your hand, with no second fee at any stage.
We advise clients across Ireland — online and by phone — wherever you’re buying:
Wherever you are in Ireland, see where you stand across our lender panel in about 60 seconds — free, no registration. Then speak to Francis whenever you're ready.
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.
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