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  • Pensions

    There comes a time when working for a living has to cease. We need to plan for that day and for a new source of income to replace our former employment income.more on pensions...

  • Investments

    It is important to seek independent advice from a Qualified Financial Advisor WHO IS NOT TIED to any particular Investment Provider or Life Assurer.more on investments...

Mortgages

LALOR FINANCIAL SERVICES is an INDEPENDENT MORTGAGE BROKER AND ADVISOR.

Through our membership of PIBA (the representative body for our profession) and because we are Independent Brokers we have the capability to access the mortgage offerings of THE MAJOR BANKS AND MORTGAGE PROVIDERS.Our INDEPENCENCE allows us to advise on the mortgage offerings from ALL PROVIDERS. We advise and you decide on the mortgage Type and Provider.

Planning for Your Mortgage

As a mortgage broker we consider financial planning to be the most important aspect of our service. This means engaging you in a FACT FINDING exercise – an examination of your financial circumstances. Working through this information, and in full consultation with you, we as independent mortgage advisors, will establish the options appropriate for your consideration in terms of - which mortgage provider? type of mortgage?, length of term?, fixed or variable rate? etc. You will then be in a position to make a well informed decision. S0:

  • Are you a First Time Buyer?
  • Are you a Property Investor?
  • Are you trading up?
  • Are you seeking Equity Release for a second property or for other purpose?
  • Maybe you need a mortgage that requires interest only to be paid in the early years.
  • Are you aged 66 or over and would like to release some of the equity in your home- without having to worry about repayment?. This type of mortgage is often referred to as "LIFE LOAN".
  • Property Investors.  Our Business Banking service is also here for you. Please select the Link "Business Loans" at top of this page.

Beware the Pitfalls

Be wary of Introductory Discount offers and other soft options designed to win your business, but which can wind up costing you heavily over time. Another is the offer of calculators, on some web sites, to enable you estimate monthly mortgage repayments. However, while it can be helpful in itself, undue emphasis on this aspect alone tends to deflect one’s thinking away from other important issues. So it is better always to have a single view of the whole offering – we call it “SEEING THE PACKAGE IN THE ROUND”. That is what we give you. 

Regardless of your location - Co. Cavan, Monaghan, Meath, Dublin, etc., we are here to serve you.

FOR OUR OTHER SERVICES PLEASE SELECT AS APPROPRIATE FROM THE MENU AT TOP OF THIS PAGE.

CALL US.  WE WILL BE DELIGHTED TO MEET YOU.