• Mortgages

Mortgages

At Cleere Life & Pensions, we understand that the thought of arranging a mortgage, whether you are a First Time Buyer, switching provider or trading up, can be a daunting one. We use our considerable experience and expertise to simplify the process for you and ensure that things run as smoothly as possible.

  • Initial Meeting & Pre-Application Queries

    This gives us an opportunity to find out about your current financial position and your specific requirements. We will explain the factors that dictate mortgage suitability and make sense of the complicated jargon. We should then be able to provide you with a good indication of your suitability for mortgage approval, the amount you are likely to obtain and from which lenders.

  • Application Stage

    Once you are happy to proceed with the application, we will gather up all the required items and submit this information to the prospective lenders on your behalf. Above anything, we ensure that the lender is left in no doubt as to your suitability for a mortgage.

  • Application Management

    This involves liaising with the lender(s) on your behalf and dealing with any issues that will inevitably arise on a regular basis.

  • Mortgage Drawdown

    We ensure that all requirements and conditions are adhered to the satisfaction of the lender. This is an onerous task as lenders are becoming much stricter in terms of complying with drawdown criteria.

  • Arrangement of Insurances

    We arrange your Life Cover as per mortgage drawdown requirements. This may delay the drawdown of funds if these issues are not dealt with quickly and efficiently.

  • Post Completion Checklist

    Once your mortgage has successfully drawn down, we ensure that payments are in order, relevant documentation is returned to you and other loose ends are tied up.

  • 1. INITIAL MEETING + PRE-APPLICATION QUERIES - FREE

  • 2. FORMAL APPLICATION TO LENDERS €250

  • 3. DRAWDOWN OF MORTGAGE €250

*ABOVE FEES ARE EXCLUSIVE OF LENDER’S COMMISSION IF APPLICABLE

What Our
Clients
Say

” We are extremely happy with the professional approach, attention to detail, regular updates and advice received. We feel our investments are being personally checked regularly by Cleere Life & Pensions. ”

Adrian & John, Conveyor Solutions, Kilkenny

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Loan Packaging

  • We can also package a loan application for you for your business/farm/commercial loans.
  • Our advisors have years of experience in lending.
  • By putting together an application to be presented to the relevant lenders, we have found that if you package your application correctly and in the best format, you have a better chance of receiving the loan.

*The fees for this process will vary and depend on the amount of work involved

Do you have more questions?

We would love to hear from you! We are here to make sure all your questions are answered.

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  • Mortgages Office

    Cleere Mortgages

    4 Dean St

    Kilkenny

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