How does our service work at doddl?
Doddl is a mortgage intermediary which means that we work with all major lenders to help you secure the best mortgage for your personal circumstances.
Purchasing a home or looking to review your current mortgage rate – we are here to help!
People come to us for mortgage advice and approval but for purchasers the real goal is to buy a home.
We offer a full home buying service with a team of 45 mortgage experts and partners to help you right through from enquiry to when you get the keys to your new home.
We work with all major lenders but to be clear – we work for you. As our client we aim to not only source the best mortgage for you but to support you through the home buying process.
We have a life cover (mortgage protection) team, a home insurance team and we work with a legal partner called Beam who offer a flat fee to our clients and who digitise the conveyancing process (legal process to purchase a home) adding efficiency and transparency.
We do not charge a fee for our service – so how do we get paid?
Like all mortgage intermediaries or brokers we get paid by the lender you choose to take your mortgage with. We are your point of contact from enquiry right through to completion so instead of banks having to have staff and office costs to process mortgages they pay us a fee. The really important thing to note is that the fee we receive is the exact same regardless of the lender, this ensures no bias on our part.
Can we get you better rates?
We work with lenders that you cannot access directly, we also work with all major lenders and have lowest market rates, Green rates, cashback offers.
If you go to one lender they will tell you about their rates and products but they wont tell you if the bank on the next corner has a better rate for you, at doddl we will.
We help you compare mortgage options
There are hundreds of mortgage rates on offer depending on your mortgage amount, the value of your property, your building energy rating. We can help identify the best rate for you.
Mortgage cashback offers, deferred payment periods, overpayment options we can explain it all.
Our goal is to find the best mortgage rates and terms combined with the mortgage level you require.
Not all mortgage lenders offer the same mortgage amount
Lenders all have different underwriting policies and what this means is they assess income, any commitments, repayment ability and applications in different ways.
This results in different lenders allowing you to borrow different amounts.
Central Bank rules allow first time buyers to 4 times their ‘allowable’ income and 3.5 times for second and subsequent buyers. The key thing is what counts as ‘allowable’ income so if you have any variable income, overtime, shift allowance, commission, bonus etc then this will all be treated differently.
If you want to understand exactly how much you can borrow then you need to speak with our team!
When to get in contact?
Saving a deposit takes time but you may have questions about how to make a successful mortgage application, you may want to understand the help to buy or first home schemes or the process in general.
We have so much information on our News and Blog section of our website doddl.ie and we also share tips and updates on our Instagram page daily ( @doddl_ie )
When you are ready to speak to one of our team or if you want to get in touch to understand how much you can borrow, what repayments will be, how you can plan to make a successful application then contact one of our 45 strong team of mortgage specialists.
Provide us with some information and one of our team will contact you within 48 hours. You don’t need to know everything about mortgages because we do and we are here to help you!
We also have a secure customer portal that is exclusive to doddl clients – no other intermediary or bank has access to the doddl DMx portal making it easier for your to make your mortgage application.
How to get in contact?
We would love to hear from you –
Want to take out a new mortgage – Start Here
Want to review your rates and switch your mortgage – Start Here
Once we have some initial information about you we can provide full advice.
