Moving House Mortgage

Our expert mortgage advisors help customers with the process of obtaining a new mortgage if they plan to sell their home or upgrade.

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Pauline Bourke QFA LIB talks you through moving house and what you should be thinking about. CLICK HERE

How to get a new loan?

Obtaining a Mortgage

Irish Mortgage Corporation will be there through each point of the process from application to completion. Our consultants will discuss the specific needs of our customers and then provide a range of options that meet their needs.

Following is a summary of those services we provide to first time buyers:

Taking client information and assisting with application completion.
Analysing prospective clients income and debt and pre-qualifying the prospective client to determine the maximum mortgage they can afford.
Educating clients in the home buying and financing process, advising on various loan products, and demonstrating how monthly payments could vary under each product.
Assisting with the collection of financial information (tax returns, bank statements) and other related documents which form part of the application process.
Advising clients on documentation required to progress loan applications including verifications of employment and verifications of deposit.
Assisting the evaluation of life insurance options and advising on all relevant application details.
Maintaining regular contact with the client, solicitor, lender between application and closing to appraise the status of the application and gather any additional information as needed ensuring mortgage closes at or near the required closing date set by the consumer.
Continuous Client service after mortgage drawdown.

Even if you are not ready to obtain a mortgage now, we can advise you on what will be needed for a mortgage assessment and give you an indication of how much you can borrow so you know your spending level and prepare you for a mortgage in the future (see our top tips).

Explainer TV

Pauline Bourke QFA LIB talks you through moving house and what you should be thinking about.

Top Tips

Where are you now and where do you want to be?

Get an indication of how much you can borrow which will be a based on the following:
- Income
- Repayment Capacity
- A combination of savings/rent for the last six months will indicate the monthly amount you can afford in mortgage payments.
6 month statements for assessment (both bank and credit card) keep your bank accounts well maintained.
- Savings and rent clearly evidenced
- Avoid missed payments, referral charges, constantly being overdrawn.
Set up a high interest savings account for regular savings
Avoid short term and credit card debt where possible

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By submitting your details we will contact you regarding mortgage and mortgage protection options.

Consent to contact for Marketing

Marketing consent applies only in respect of the products and services we offer. At Irish Mortgage Corporation we want to be able to stay in contact with our clients. Please be assured that your personal data has & will always be handled with the utmost care by us and we will never pass on, or share, your details to third-parties for marketing purposes. This consent only allows our staff remain in contact with you for updates, products and services we feel may be of benefit to you.

Glenn Humphrey

30/11/2021

I have just been approved a mortgage to buy a home with the help from Irish mortgage corporation. They have been great from start to finish. Very professional but yet making it seem so easy . I would highly recommend them to anyone trying to get mortgage. Paddy Carolan and mell Carroll it’s has been a pleasure doing business with both of use. Everything use have done for me I will never forget . You have went above and beyond. I would like to thank both of use and keep up the great work. Looking forward to getting into my new home and it wouldn’t of happened with out the help from both of yourselves . Thanks very much Glenn

claire lynch

17/11/2021

We are delighted that we decided to go to Dave when we were applying to re-mortgage our house. His knowledge is second to none and we had complete confidence in him throughout the process. He was always at the end of a phone if we needed to have something explained and answered emails with lightening speed. His communication was excellent, always making sure we knew what was happening with our application and what we needed to do next. He made the whole process as painless and efficient as possible. We are so happy with the service Dave was able to give that we have recommended him to several friends and family members who are equally as impressed by him. Thank you Dave and team for all your hard work!

ash mcgov

16/11/2021

March of 21 myself and my partner decided to apply for a mortgage for our first home together. Absolutely clueless to what the process would entail. We met with Dave who talked us through our options,explained how the process would go and backed us when needed. Once we had our approval and house was secured we met Clare who helped us through the drawdown process and chased our lenders whenever we requested. We are extremely grateful for both Dave and Clare, we wouldn't be where we are today without them. We just got the keys to our home Friday and could not be happier. Would highly recommend anyone who is looking to start the process contact IMC. Thanks again 😊

Dennis Brown

05/11/2021

We received excellent service from Eoin Clifford and the team throughout the whole process. At times it can be stressful and Eoin guided us through with ease and professionalism and was always responsive to our needs. I recommend them to anyone seeking a mortgage.

Leah Stryczko

04/11/2021

Colin Rockett and extended team walked us through the mortgage application process in plain English. From clearly explaining the real monetary benefits associated with the offers from each mortgage provider, to providing online document requirement checklists and automated reminders to keep the application on track. We have used IMC twice now to guide us through mortgage application and then switching process. We will continue to use them into the future and confidently recommend them.

Rory Donegan

The whole team have been incredibly supportive & responsive in helping us navigate the purchase of a new home. This is the second time we've used IMC and they have always been incredible to work with. Highly recommend them to anyone!

Laura McConnell

26/10/2021

Steven and Mel are a credit to the company. From the initial conversation outlining my options to the offer stage and to drawdown each step of the way I was well informed and updated throughout the process. I would highly recommend IMC and cannot thank them enough for all their help!

mahmoud saad

22/10/2021

Truly no words would ever say how thankful we are for all of you at IMC, It has been more than a year since we started that process with you, There was not any single time that I felt you were not friendly or not replying to my calls and inquiries. I will be always grateful for your help, and i’m sure that without all of you at IMC I would not be able to get to that stage. Thank you so much.

Keith McGarry

06/10/2021

Couldn’t be happier with the level of service and professionalism from IMC. Our primary point of contact was Colin who walked us through every step of our first time buyer application. The advice provided was second to none. The speed of service helped us secure our dream home and ensure the application and sale process went smoothly. Colin walked us through every step of the process and kept us up to date at each step. We signed a 1 year rate and will be going back to Colin in IMC to manage our switching mortgage business going forward. We also engaged with IMC and James to arrange our mortgage protection. James was able to find us excellent protection at a really competitive price. Couldn’t fault IMC at all.

Sarah Crawley

19/09/2021

We are first time buyers and to say we were at a loss as to where to start was an understatement. The choice of approaching IMC was the best decision we made as first time buyers. From our first phone call we felt more confident, reassured and aware of what we could afford and the steps that were involved. We also secured a mortgage that we don’t think we would have got by approaching the banks directly. To anyone who is buying a house, we can not recommend Irish Mortage corporation enough! We enjoyed our communication with their team, they listened and understood our concerns/questions and followed them with paired by explanations which we needed. The teams communication gave us the reassurance we needed and in a very quick response time. We trusted the team wholly and they did not let us down 😀 It was an absolute pleasure, thank you so much Rob and Mel 🙏