Waterford · the South-East
A mortgage broker for Waterford city, Tramore, Dungarvan and across the county. Francis Howard QFA compares the lenders on our panel to find the one that fits you — in person or fully online.
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Offices in Cork and West Cork — serving clients nationwide by phone and Microsoft Teams.
Rather than walking into a single bank and taking its one answer, you get your figures checked against the criteria of the lenders on our panel at once. That matters in Waterford right now: the North Quays regeneration and the easy commute to Cork are bringing new buyers into the city, and the lender that suits a first-time buyer in Ballybeg won't be the same as the one for a self-build outside Dungarvan.
It's Francis you deal with throughout — the reason clients have left a ★ 5-star rated on Google.
As a rough local guide (indicative, and moving with the market):
Waterford remains one of the more affordable cities relative to Cork and Dublin, which is exactly why demand — and competition for the right house — has been rising.
Waterford city · Tramore · Dungarvan · Dunmore East · Portlaw · Lismore · Cappoquin · Ardmore — and the surrounding towns and townlands.
We'll model every support you might qualify for against your own figures:
Same-day assessments mean you're never the buyer still "waiting to hear from the bank" when a house comes up. And because we know which lenders are comfortable with coastal, rural and older properties, we steer your application to the ones most likely to say yes.
Yes. The whole process can be done by phone, email and secure upload — most Waterford clients never need to take an afternoon off. If you'd prefer to talk it through in person that's fine too, but it's never a requirement.
We compare the lenders on our panel, so your case is checked against each one's criteria rather than a single bank's view. Because the North Quays regeneration and the Cork commute are pulling new buyers into Waterford, getting the lender with the best fit (and rate) for your situation matters.
Yes — Waterford city, Tramore, Dungarvan, Dunmore East, Portlaw, Lismore and the surrounding county. Coastal and rural homes are assessed a little differently by lenders, and we know which ones are comfortable with them.
Help to Buy (up to €30,000 on a qualifying new build or self-build), the First Home Scheme shared-equity top-up, and the Local Authority Home Loan through Waterford City & County Council if a bank can't offer enough. We can advise on which of these schemes may apply to your situation.
Francis Howard QFA has arranged mortgages since 2018 and holds a 5-star rating on Google — from first-time buyers to self-builds to switchers.
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 talk 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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