Mortgages
Allow us to remove the worrying parts…
and help ease the process of getting a mortgage.
About Oates Breheny Group Mortgages
Oates Breheny Group are Mortgages Brokers with over 30 years’ experience and are Sligo’s leading mortgage brokerage. You might be wondering if banks are lending and if so, who is lending and how much can I get?
We look at each case and check which banks will lend and then ensure that you get the most competitive mortgage.
Most people ask how much will this service cost? The answer is you pay nothing. We get paid by whoever lends the money.
It really makes sense that you get us to research the market for you to ensure that you get the most competitive mortgage. We work on your behalf, and not the bank, and this all costs you nothing.
On top of this we always encourage our clients to contact us after your purchase has closed for as long as your mortgage is in place to get advice on rates or how to reduce your interest as the years go on.
Calculate your mortgage repayments by using the Mortgage Calculator above.
Would you like to make an application or just want some information about how much you might qualify for?
Apply online now and one of our Financial Advisors will let you know how much you qualify for.
What you can do…
Organise initial meeting to discuss your plans or apply online.
What are the steps and what we do…
- We will then assess all details and indicate the best mortgage options.
- Mortgage application is packaged and sent to bank.
- Mortgage is approved.
- Final meeting to progress to cheque issue.
- We liase with you and your bank and solicitor throughout the whole process to ensure you are getting top class service.
- And finally as mentioned you can ring anytime down through the years for advice on your mortgage or other financial products because this service is free with your mortgage package.
Are you looking for a Mortgage?
Oates Breheny Group are nationwide Mortgage Brokers who will research the market for you and ensure you are getting the mortgage you deserve.
We offer you the widest choice of mortgages from all main lenders and now we have made the application process even easier.
On our My OBG Mortgage System you can apply, upload your documents and track your mortgage throughout the process. You will also have a dedicated Mortgage Advisor helping you along the way who you can talk to, email or call in and meet in person if that suits you best.
We will guide you through the process from application to approval and ultimately getting your mortgage funds issued.
But we don’t stop there! We want to help you throughout the life of your mortgage to make sure you continue to get the best deal by offering regular reviews.
And remember – we don’t charge a fee as the Financial Institution will pay us directly.
With Oates Breheny Group you have the opportunity to access a great choice of mortgage, with competitive interest rates and now an easier way to make your application.
We are here to help you all the way through.
If you are already in process of an application, you can login here:
Mortgage Protection
As part of your Mortgage Package you will be asked to take out a Mortgage Protection policy. This policy is put in place to make sure that, if you were to die during the term of your mortgage, any loan remaining would be cleared.
If you have a mortgage on your private dwelling then you should have a Mortgage Protection policy.
If you have a mortgage on an investment property then you don’t have to have a Protection policy in place but we would advise you to take one out. The reason is that your property may not sell straight away if you were to die. Also, if the property was in negative equity, you would leave debt to be repaid by your dependents.
The following should be noted when taken out a Mortgage protection policy:
- You don’t have to take it out with the lender that is providing your mortgage. We can source the market for you and make sure you have choice rather than having to accept a quote from only one company.
- You have the option of adding Serious Illness Cover to the policy. This should be explored as it gives you added protection (see the section on Serious Illness Cover).
- You have the choice of Joint or Dual life.
- You can add a Conversion Option to it.
- If you have any existing policies, you can always ask us to review them to make sure you’re getting the most competitive price.
As Financial Brokers we will take you through all the Mortgage Protection options and explain the policies in plain English. We will ensure you are getting the best policy and the best price.
Income Protection
Income Protection is a type of Insurance that pays you a regular income if you can no longer work due to injury or illness.
It’s aim is to replace some of your earned income once any State Benefits are taken into account, so you could still maintain the level of lifestyle you are used to.
If you are in full time employment or you are self-employed and earn an income you can take advantage of an Income Protection Plan.
If you have people who depend on your income or you have debts you need to pay from your income it is important to make sure you are protected if that income was no longer coming into the household.
It is one of your household’s main Financial Planning priorities.
There are many different options and companies providing this Protection so talk to us if you want to get the widest choice.