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Google Reviews

LowQuotes.ie
4.9
Based on 1356 reviews
OON 1.
OON 1.
I had the pleasure of Dealing with Neil and what a gentleman he is and so patient with all my questions. He didn’t make me feel like I was annoying although I probably was ! 🙈 his knowledge and advice was much appreciated and will definitely be recommending to family and friends. 🌻
colin R.
colin R.
We can't thank Tiernan enough he has gone above and beyond for us. He made the process so quick and easy for us even through the most stressful parts. He is very quick with communication and if there are any issues or problems he is fixing it immediately. So glad to have worked with him and have passed his details to many colleagues at work.
Bilal A.
Bilal A.
Aoife Morgan thank you for all the special service you give. It's nice to know that you care, I got a better price and better service for my insurance needs, I enjoyed dealing with you on my insurance.
susan T.
susan T.
Rachel Fennin was very nice, and very helpful in helping me choose my plan ...overall excellent customer service 👏
Sinead O B.
Sinead O B.
Shaun was extremely good at going through my options and helping me pick a plan that suits my family. I will definitely be reassuring my other policies with LowQuotes
Dean M.
Dean M.
Sinead and I recently got our mortgage through Lowquotes.ie, and to say we are grateful is an understatement. Bernadine was just amazing from start to finish and left no stone unturned. She was with us every step of the way and made sure we were well-informed, helping us with all the paperwork that was needed and guiding us in the right direction whenever necessary. It was a pleasure dealing with Bernadine and Lowquotes, a company that is the best in the business. Thank you.I would recommend using Lowquotes.ie for your mortgage or any insurance queries.
Response from the owner: Hey Dean,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide you and Sinead through the entire mortgage process and provide the support you needed every step of the way. We aim to make everything as smooth and stress-free as possible, so your kind words truly mean a lot!If you ever need assistance with anything else – from mortgages to protection or insurance – we’re just a message away.Best Regards,LowQuotes Team
Rabiat M.
Rabiat M.
Bernadine turned what once felt impossible into a beautiful reality. Her expertise, dedication, and passion for her work truly set her apart. It’s clear she genuinely loves what she does, and it reflects in every step she took with us. Thanks to her unwavering support and professionalism, we now have a place we can proudly call home. She didn’t just help us find a house, she helped us begin a new chapter.
Response from the owner: Hey Rabiat,We’re delighted to hear about your wonderful experience with Bernadine. It’s amazing to know that her dedication and support helped turn things around and made the journey to your new home such a positive one. We’re so glad she could be part of this important chapter in your life. Your kind words mean a lot to us! If you ever need anything else in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Megan C.
Megan C.
Highly recommend Low Quotes Conor and Courtney could not have been more helpful in supporting myself and my partner to get life insurance for our mortgage. They went above and beyond to get it over the line in a very timely manner to ensure we could close on our original date!!
Response from the owner: Hey Megan,We’re delighted to hear about your positive experience with Conor and Courtney. It’s great to know they were able to support you and your partner through the life insurance process and go above and beyond to ensure everything was sorted in time for your mortgage closing. We aim to make the journey as smooth and stress-free as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Kallamm M.
Kallamm M.
I could not recommend Ross enough for the help and professionalism he demonstrated when helping my partner and I get life cover. He explained each step in great detail and was really easy to get on with. Ross was able to suit any calls into my schedule which was a big help.
Response from the owner: Hey Kallamm,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and work around your schedule to help you and your partner secure life cover. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
Patrick V.
Patrick V.
Couldn’t recommend Niamh enough, she was beyond helpful in my first home purchase. Couldn’t have done it without her help. Communication was spot on and everything was done quickly with great clarity.
Response from the owner: Hey Patrick,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was able to support you through your first home purchase and make everything clear and stress-free. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Steve O
Steve O
Policy options very clearly explained.I was going with a different company until our call.Great serviceThank you Shaun
Response from the owner: Hey Steve,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to clearly explain the policy options and help you feel confident in choosing us. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Lisa M.
Lisa M.
Ross really took his time to accommodated my busy schedule while getting me the best deal possible. It was really appreciated.
Response from the owner: Hey Lisa,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to accommodate your busy schedule and secure the best deal for you. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Mohmmed D.
Mohmmed D.
Excellent service specially Cormac has been amazing, highly recommended.
Response from the owner: Hey Mohmmed,We’re delighted to hear about your positive experience with Cormac. It’s great to know he’s been amazing throughout the process and that you’d highly recommend our service. We aim to make everything as smooth and clear as possible, so your feedback truly means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Laura W.
Laura W.
I cannot recommend Low Quotes highly enough. In particular Niamh. Niamh was with me from start to finish on my mortgage/insurance journey and the service I received from Niamh was simply exceptional. Her dedication, support and professionalism shown to me throughout my journey was just amazing. Niamh took the time to understand my needs and getting me the best deals on the market and for that I will be forever grateful. Her knowledge and expertise of the industry is fantastic. Niamh is an amazing asset to Low Quotes.
Response from the owner: Hey Laura,We’re absolutely delighted to hear about your experience with Niamh! It’s fantastic to know she was able to support you throughout your mortgage and insurance journey and provide such a high level of care and professionalism.Niamh is indeed a huge asset to our team, and we’ll make sure your kind words are passed on to her. We’re so glad she could help you secure the best deals and make the process smooth and stress-free.If you ever need anything else or have questions down the line, we’re only a message away. Thanks again for the glowing recommendation!Best regards,LowQuotes Team
Vignesh C.
Vignesh C.
Friendly customer service and would recommend for sure.
Response from the owner: Hey Vignesh,Thanks a million for the great review! We’re delighted to hear you had a positive experience with our customer service. We always aim to make things as smooth and friendly as possible, so your recommendation means a lot to us. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrew L.
Andrew L.
I dealt with a very professional and informative person Shaneen any questions that needed answering were answered and explained in a very detailed and also simple way ! Between the first phone call I felt that Shaneen was there to help me out with ever need and the best policy availableThank you once again ShaneenHighly recommended 10/10
Response from the owner: Hey Andrew,We’re delighted to hear about your positive experience with Shaneen! It’s great to know she was able to answer all your questions clearly and guide you toward the best policy. We’re all about making things as straightforward and helpful as possible, so your kind words mean a lot.If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Brendan D.
Brendan D.
Amazing service from Tiernan at LowQuotes. He made the process of getting a mortgage so much easier and was helpful the entire way.The LowQuotes portal is easy to use and user friendly, which made document organisation much easier.
Response from the owner: Hey Brendan,We’re delighted to hear about your positive experience with Tiernan! It’s great to know he was able to make the mortgage process easier for you and provide helpful support throughout.We’re also glad you found the LowQuotes portal user-friendly—it’s designed to keep things simple and stress-free, so your feedback means a lot to us! If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Craig D.
Craig D.
Ross Kirwan was great help. Flexible for my hectic schedule. Thank you.
Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Ross Kirwan! It’s great to know he was able to work around your hectic schedule and provide the support you needed.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jacques P.
Jacques P.
Fast speedy review online and a few good options provided a good all round service
Response from the owner: Hey Jacques,We’re delighted to hear you had a great experience with our online process! Providing fast and efficient service with a range of good options is exactly what we aim for.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
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Your Questions Answered

Applying for a mortgage in Ireland involves meeting specific requirements that may vary slightly depending on the lender. However, there are some common minimum requirements that most applicants will need to satisfy:

  1. Age Requirements: Typically, you must be at least 18 years old to apply for a mortgage. The upper age limit for mortgage repayment is usually set so that the mortgage must be repaid in full by the time you reach 65 to 70 years old.

  2. Income Requirements: You must have a steady, verifiable income. Lenders will assess your ability to repay the loan based on your income, employment type, and job stability.

  3. Employment Status: Employed applicants should have a permanent job or at least be past their probation period. Self-employed individuals need to provide evidence of steady income, usually through tax returns or audited accounts for the last two to three years.

  4. Deposit: You will need a deposit, typically at least 10% of the property’s purchase price for first-time buyers, and up to 20% for those who have previously owned a property.

  5. Credit History: A good credit history is crucial. Lenders will review your credit report for any past defaults, missed payments, or other credit issues. A clean credit history can significantly enhance your eligibility.

  6. Debt-to-Income Ratio (DTI): Your total monthly debt payments, including the prospective mortgage, should not exceed a certain percentage of your gross monthly income, commonly around 35%.

  7. Property Value: The property you intend to buy must be appraised to ensure it provides sufficient security for the loan. The mortgage amount generally cannot exceed a set percentage of the property’s value (loan-to-value ratio).

  8. Proof of Identity and Residency: Valid identification and proof of residency are required to comply with regulatory requirements.

These requirements ensure that borrowers are financially stable and likely to repay their loans, protecting both the lender and the borrower from entering into an unsustainable financial arrangement. Always check with specific lenders for their particular requirements and criteria, as these can vary and may be influenced by changes in financial regulations or the economic environment.

In Ireland, lenders assess mortgage applications based on key criteria to determine your ability to repay the loan:

  1. Income and Employment: Your income and employment status are verified through documents like payslips and tax returns. Stable, permanent employment is preferred to ensure reliable income.

  2. Credit History: Lenders review your credit score and history to assess past debt management. A good credit history enhances loan approval chances.

  3. Debt-to-Income Ratio (DTI): This ratio helps lenders evaluate whether you can manage monthly debt payments alongside your living expenses and the new mortgage.

  4. Deposit and Loan-to-Value (LTV) Ratio: The size of your deposit affects your LTV ratio. A lower LTV ratio indicates lower risk to lenders.

  5. Affordability Stress Testing: Lenders conduct stress tests to determine your ability to cope with potential financial changes, such as interest rate increases.

  6. Property Appraisal: A professional appraisal ensures the property’s value matches the loan amount, securing the loan’s collateral.

  7. Regulatory Compliance: Lenders must adhere to Central Bank of Ireland guidelines, which include limits on LTV and DTI ratios to promote responsible lending.

These assessments ensure that lenders provide mortgages responsibly while considering the borrower’s financial stability and the economic environment.

When obtaining a mortgage in Ireland, several types of fees and charges can arise during the process. Understanding these fees can help you budget more effectively and avoid surprises. Here are the common types of fees associated with a mortgage in Ireland:

  1. Booking Fee/Application Fee: Some lenders charge an upfront fee when you apply for a mortgage. This fee can sometimes be non-refundable, even if the mortgage doesn’t proceed.

  2. Valuation Fee: Before a mortgage is approved, the lender will require a professional valuation of the property to ensure it provides adequate security for the loan. This fee is paid to a valuer accredited by the lender.

  3. Legal Fees: You will need a solicitor to handle the legal aspects of the mortgage transaction, including conveyancing, examining the title of the property, and ensuring that all legal requirements are met. Legal fees can vary widely based on the solicitor and the complexity of the property transaction.

  4. Surveyor’s Fee: It’s often advisable to have a surveyor inspect the property to check for structural issues. This is separate from the valuation and is particularly recommended for older homes.

  5. Stamp Duty: This is a government tax paid on homes costing above a certain amount. The rate of stamp duty varies depending on the value of the property.

  6. Land Registry Fee: Fees are required to register your ownership of the property with the Land Registry.

  7. Mortgage Protection Insurance: This insurance covers the balance of your mortgage in the event of your death during the mortgage term. While not a fee to the lender, it is a cost associated with securing a mortgage and is usually a requirement.

  8. Arrangement Fee: Some lenders charge a fee for setting up the mortgage. This can sometimes be added to the mortgage balance.

  9. Early Repayment Charges: If you pay off your mortgage early or overpay beyond allowed limits, you may be charged a fee, depending on the terms of your mortgage agreement.

  10. Exit Fees: Some lenders may charge a fee if you switch your mortgage to another lender.

Understanding these fees and including them in your overall budget when planning to purchase a property is crucial, as they can add a significant amount to the overall cost of acquiring a home.

Choosing LowQuotes as your mortgage broker offers distinct advantages that stem from our commitment to tailored, client-focused service. We specialize in creating personalized mortgage solutions that align precisely with your unique financial goals and circumstances. Our team of experienced advisors is dedicated to ensuring transparency and clarity in all our interactions, providing you with not just advice, but a comprehensive understanding of your mortgage options. At LowQuotes, we leverage cutting-edge technology and systems to ensure efficient and effective management of your mortgage needs, aiming to secure the best possible deals and opportunities in the market. With our proactive approach and commitment to continuous improvement and innovation, LowQuotes is ideally positioned to help you navigate the complexities of mortgage procurement, making us a trusted and reliable partner in achieving your home ownership dreams.

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.