Haven is a bit of a funny one. It's history is it was originally set up as a broker channel for EBS before the crash. Then AIB kept it when they merged, so it gives them a 3rd brand to operate as.Also anything to be aware of regarding these particular lenders in a positive or negative way?
Do you have a preferred lender in mind, or is there a reason you're applying to them all?
We looked into Finance Ireland (through a broker) and honestly wasn't impressed with the whole thing. The broker seemed to take forever to get everything ready and ended up asking for the same things numerous times and could never seem to answer any questions. Also finance Ireland were the only company the broker dealt with which I found strange.
Then the wait time is a further 3 weeks at the underwriters. We ultimately decided to apply with our own bank and are waiting to see what happens there but it seems alot quicker than the experience we had with the broker.
Of course this was just our experience and it may be different for you but thought was worth a mention!
It's pretty standard that brokers have a pack they prepare for all lenders they deal with. The 3 months payslips is one that always causes issues, as not all lenders require it. A broker could still say they need it to meet all the CPC requirements around suitability, etc.The next day she emailed looking for 3 months of payslips for my wife. My wife gets paid weekly and the Avant Mortgage checklist clearly states the when being paid weekly, 6 payslips in total are required.
Are you sure that they're listed?I said Avant to which he replied that they are not working with Avant, despite being listed as a broker on the Avant website.
I guess I would prefer to go direct to Avant rather than have a middle man but it's not possible.
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