Limerick · Mid-West
Mortgage advice from Francis Howard QFA — for Limerick first-time buyers, movers, self-builders and switchers, handled online and by phone.
Find out how much I can borrow →Free eligibility check · 60 seconds · No registration to see your result
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Offices in Cork and West Cork — serving clients nationwide by phone and Microsoft Teams.
IWantAMortgage.ie is run by Francis Howard, a Qualified Financial Adviser (QFA, RPA, SIA) regulated by the Central Bank of Ireland. We work with buyers and switchers across Limerick and the Mid-West, comparing across our lender panel so you get the mortgage that's most suitable for you — not the one a single bank is keenest to sell.
The process runs online and by phone, so you get a named adviser without the office visits.
The limits are national: up to 4× gross income and a minimum 10% deposit for first-time buyers. Because Limerick prices tend to sit below the Dublin and commuter-belt levels, many buyers here have more room inside the 4× ceiling — which can widen the field of lenders worth approaching. The free eligibility check pinpoints which ones fit your profile.
For first-time buyers, the First Home Scheme cap in Limerick is €400,000 and can be combined with Help to Buy up to a total 30% equity share. For existing owners, switching is often the fastest saving available — if your fixed rate is ending or you've built equity, moving lender can cut your repayment.
We weigh cashback and fees into the comparison and only recommend a switch when it genuinely leaves you better off.
Yes. We advise buyers and switchers across Limerick city and county and the wider Mid-West — from Castletroy and Dooradoyle to Adare, Newcastle West and beyond — entirely online and by phone or video. You deal directly with Francis Howard QFA, and most of the process can be completed without visiting an office.
Lenders apply national rules: up to 4× gross annual income and a minimum 10% deposit for first-time buyers (90% loan-to-value). Relative to Dublin, Limerick prices often leave more headroom within the 4× limit — which can make a wider range of lenders viable. Our free eligibility check shows exactly where you stand across our lender panel before you apply.
The First Home Scheme price limit in Limerick is €400,000 for both houses and apartments. FHS can provide up to a 30% equity share, and combined with Help to Buy (up to €30,000 on a new build) the total can't exceed 30% of the purchase price.
Yes. Switching (remortgaging) is one of the quickest wins in the current market — if you've built up equity or your fixed rate is ending, moving lender can cut your monthly repayment meaningfully. We compare across our lender panel, factor in cashback and fees, and only recommend a switch if the numbers genuinely work in your favour.
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. The lender also pays us a standard 1% procuration fee on completion, disclosed to you in writing before submission.
We advise clients across Ireland — online and by phone — wherever you’re buying:
See where you stand across our lender panel in about 60 seconds — free, no registration, no credit check. 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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