Mortgages
Whether you are a first-time buyer, switcher or investor, professional guidance here is crucial. Our mortgage professional will assist you every step of the way to process your mortgage and provide quality mortgage protection insurance in Ireland.
Fast response times
Direct communication from first call to drawdown.
One-to-one service
You deal with the same person the whole way through.
Nationwide
We will meet you in person where that is needed.
Talk to Us About Your Mortgage Today
Cunningham Financial Services provides a highly personal and efficient mortgage processing service designed to make the application journey as smooth and stress-free as possible. The team works closely with clients from the initial consultation through to mortgage approval and completion, offering clear guidance at every stage. With strong experience across first-time buyer, mover, investment, and mortgage protection cases, Cunningham Financial Services helps clients understand their options and prepare the correct documentation quickly and efficiently.
The business is known for fast response times, direct communication, and ongoing support throughout the process. Clients benefit from one-to-one service, practical advice, and nationwide accessibility, with the team available to meet clients in person where required. The focus is always on delivering a professional, responsive, and client-focused experience from start to finish.
“I feel privileged when clients invite me into their lives. It’s a wonderful reminder of the trust I’ve earned and the role I play personally and financially.”
Talk to Our Team for Mortgage Protection Insurance in Ireland
Professional guidance is required when arranging a mortgage. There are lots of variables at play when borrowing a significant sum of money. Lenders will require that borrowers have mortgage protection before releasing funds. This can be an onerous task and takes time. We advise all our clients to have mortgage approval before house hunting. The requirements from the different lenders vary and some lenders do not accommodate self build projects.
If you already have a mortgage and are thinking of switching, trading up or down it is important to know what is required in this regard. Historically you got a mortgage and held it for life with the same lender without ever changing or switching, this can be costly as a small percentage reduction can save thousands of euro over the long term.
Things to Remember
Four points that catch people out most often when arranging cover for a mortgage.
Lenders will not release funds
without accurate mortgage protection insurance in place.
It is attached to the lender
so mortgage protection on its own is not suitable for family protection.
Serious illness cover
can be included within mortgage protection insurance.
Additional benefits
vary depending on the provider you choose.
What Is a Mortgage?
A mortgage allows people to borrow a significant amount of money from a financial institution, typically a bank, to finance the purchase of a home.
Mortgages provide an opportunity for individuals to become homeowners without having to pay the entire purchase price upfront.
It’s important to carefully consider various mortgage options, compare interest rates, and understand the terms and conditions before committing to a mortgage to ensure responsible borrowing and successful homeownership.
What Does Mortgage Insurance Cover
Mortgage insurance protects lenders in the event the borrower defaults on their mortgage loan, unexpectedly dies, or fails to honour the contractual obligations.
Usually required
Mortgage Protection Insurance is generally required when you take out a mortgage.
A form of life assurance
If you or someone with whom you have the mortgage dies, the mortgage will be paid off.
Especially for residential
Lenders often require mortgage protection before issuing a residential loan.
At Cunningham Financial Services, we help you decide what works best for your mortgage needs in Ireland. From educating to empowering, we help mortgage borrowers make sound decisions for their families.
Mortgage Protection vs Life Insurance
Life insurance provides a financial safety net for your loved ones in the event of your death. It pays out a lump sum or regular payments to your beneficiaries, helping them cover expenses such as mortgage payments, living costs, and future financial needs. Life insurance can provide peace of mind and ensure that your family is financially protected even after you’re gone.
On the other hand, mortgage protection cover specifically focuses on protecting your mortgage obligations. It is designed to pay off your outstanding mortgage balance in the event of your death or a qualifying critical illness. Mortgage protection cover ensures that your family is not burdened with mortgage repayments if you pass away, allowing them to remain in the family home without financial strain.
How Much Life Cover Do You Need?
Our life cover calculator gives you a starting figure in a couple of minutes. Bring it to us and we will talk it through properly.
Your Mortgage Protection Journey
Five steps from first conversation to policy documents in your hand.
Assess Your Mortgage Needs
We evaluate your financial situation and calculate the mortgage protection you need.
Research & Compare
We research and compare mortgage insurance options provided by leading companies.
Check Quotes & Policies
We get competitive quotes from multiple insurance companies to determine what is best for you.
MPI Application Process
We do the paperwork on your behalf including filing the insurance policy application.
Final Approval For You
We get MPI approval with the best coverage amount and hand over your policy documents.
Ready to Talk About Your Mortgage?
Get mortgage approval before you start house hunting. Send us a few details and we will come back to you with what is possible, usually within one working day.
