Broker vs Bank: Which One is Better for Your Mortgage?


When it comes to buying a house, choosing the right lender is one of the most important decisions you’ll make. Many people assume that going with their own bank is the best option, but this isn’t always the case. In this post, we’ll explore the differences between using a bank or a mortgage broker for your mortgage, and help you make an informed decision.

Interest Rates:

Interest rates are a major concern for anyone getting a mortgage. If you go with your bank, you’re tied solely to the rates they offer. However, working with a mortgage broker gives you access to a suite of lenders and products, so you can choose the one that best suits your individual needs and preferences.


A mortgage broker acts as a link between you and the lender, and helps you choose the lender that will suit you best. Depending on your situation or preferences, going down the traditional ‘bank route’ may not be the best choice financially and may end up costing you more over the life of your mortgage.

Help Throughout The Process:

Buying a house can be a daunting experience, but having an expert by your side can make all the difference. A mortgage broker knows the mortgage business inside out and can guide you through the whole journey, making the process as ‘EZ’ and straightforward as possible.

Added Extras:

Mortgage Protection is a legal requirement when taking out a mortgage, and income protection is also an important consideration. Most banks have their own life company affiliated with them, meaning you get only one quote and one option. Choosing a mortgage and life broker like Ezfees Financial means you not only get the best option on your mortgage but also on your mortgage protection, too.


Choosing a mortgage broker for your mortgage is the smart choice for many reasons, including better interest rates, a wider range of options, expert help throughout the process, and access to added extras like mortgage protection. If you’re looking for a mortgage and life broker in Ireland, contact Ezfees Financial today. After all, we are here to help you! Contact us at today. We’d love to hear from you!

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

What’s in this for you? Discuss your business finances in confidence with trustworthy advisors to:
1) Create a money management plan to suit your business
2) Align your business and personal objectives
3) Get clarity and validation on your strategies from dedicated Financial Advisors committed to safeguarding your business finances
4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your business and your future

Investment Consultation

With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

What’s in this for you? Why you should consider savings and investment plans?
1) The potential for higher returns
2) Flexibility in the amount you save
3) Short, medium and long term options to suit your goals, amounts and terms to save
4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Mortgage Consultation

Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Financial Planning Consultation

Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future