Mortgage broker or bank

gazzaman22 wrote: »

Anybody apply for the avant mortgages yet? If so what broker did you use, Do i need to pick from this list?
https://www.avantmoney.ie/mortgages/brokers

We drew down last December so before Avant came to the market but we happened to use one of the brokers on the avant list.
Would certainly recommend them, and can do via PM if anyone wants. They don't charge a fee and they deal with all the mortgage suppliers on the market. We didn't need exemptions of anything like that but they lay out all the info you need to choose who is best for you so saves you a lot of hassle going to banks or researching yourself.
We'll be using them again when our fixed rate is up.

They did recommend one particular bank so I was wondering if they possibly get different commission rates from each bank and recommend them but I might have been over thinking it as they weren't pushy or anything like that!

mousblaster17 wrote: »

Go with a broker. Went AIP a few weeks ago and he got me an exemption too. A hassle-free process.

Curious as to what bank you got the exemption from, anything I can see is that they are on hold in all banks? Where did you get it a few week ago out of interest?

Just my 2c here but from my experience, when we approached the bank we use originally we were given mediocre advice but some of it was just plain incorrect. When I went with a broker recommended by a colleague afterwards, he was able to debunk a number of things we were told and got us a great deal, in particular since we wanted to go self build route. I will admit though that this broker charged a fee as well as getting the commission but we got AIP in about 4 days after submission to the bank so I do rate him.

michellie wrote: »

2nd time buyer. We went direct with Aib. Had AIP within less than 24 hours.

Have you first mortgage cleared?
Are you keeping first house?