Terms of Business
These Terms of Business set out the general terms under which we will provide business services to you and the respective duties and responsibilities of both ourselves and you in relation to such services and are applicable from 24 March 2026. Please ensure that you read these terms thoroughly and if you have any queries, we will be happy to clarify them. If any material changes are made to these terms, we will notify you.
Authorisation and Codes of Conduct
At Once Mortgages Limited.is regulated by the Central Bank of Ireland. You may contact the Central Bank of Ireland on 1890 777 777 or alternatively visit their website at www.centralbank.ie to verify our credentials and check their register. Our firm reference code is C45376.
We are also subject to the Consumer Protection Code, Minimum Competency Code and Fitness & Probity Standards, which offer protection to consumers. These Codes can also be found on the Central Bank’s website.
Our Services
We are an Insurance and Mortgage Credit Intermediary. Our principal business is to provide advice and arrange transactions on behalf of clients in relation to Life, Pensions, Mortgages, Savings and Investments.
At Once Mortgages has selected one preferred product provider, Irish Life Assurance plc, to provide Life, Pensions, Savings and Investment products. Therefore, we conduct limited analysis of the market for these products as our analysis of the market will be primarily of products provided by Irish Life Assurance plc. If a suitable product is not available from Irish Life, or if you express a preference that we do so, we will research products available from other producers providers we have agencies with.
For mortgages, we recommend the product that, in our professional opinion, is best suited to your needs and objectives from all of the providers we have agencies with as listed below.
Life/Investment & Pension Companies
Irish Life Assurance Plc
Royal London
Bank Of Ireland
Zurich Life Assurance ltd
Mortgages
Bankinter S.A. – Ireland Branch
Dilosk DAC
Haven Mortgages Ltd
Permanent TSB plc.
Nua Money Limited
When giving our clients advice on Savings and investments, we will need to gather information regarding your investment knowledge and experience, as well as your attitude to risk. If this information is not provided, we will not be in a position to determine whether the product is appropriate for you.
For Investments and Savings, we are required to gather information about your preferences around sustainability as these relate to your approach to investing and investments. Your sustainability preferences will be captured as part of the initial fact-finding exercise.
When providing advice, the firm does not currently consider the adverse impacts of investment decisions on sustainability and is not in a position to incorporate your sustainability preferences. This is because the information available to us in product producers’ literature to compare financial products and to make informed investment decisions about ESG products is not sufficient at present to allow us to make a reliable comparison. We expect that this position will change, and we will revisit our decision within six months. When we are satisfied that we are in a position to do so, your sustainability preferences will form part of the assessment of investments that are suitable for you is required to gather information about your preferences around sustainability as these relate to your approach to investing and investments. Your sustainability preferences will be captured as part of the initial fact finding exercise.
We will need to collect sufficient information from you before we can offer any advice on housing loans. This is due to the fact that a key issue in relation to mortgage advice is affordability. Such information should be produced promptly upon our request. Where the creditor is unable to carry out an assessment of creditworthiness because the consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, then credit cannot be granted.
At Once Mortgages Limited is a member of Brokers Ireland.
Disclosure of Information
We act as your representative to the companies we have agencies with, and we will provide assistance to you with any queries you may have in relation to your policies or in the event of a claim during the life of the policies and we will explain to you various restrictions, conditions and exclusions attached to your policy. However, it is your responsibility to read the policy documents, literature, and brochures to ensure that you understand the nature of the policy cover. Material information about medical history, non-smoker status, occupation category and any hazardous pursuits are central to underwriting decisions and it is imperative that all information you provide to the insurer is accurate and complete.
You are under a duty to answer all questions posed by the insurer or ourselves on your behalf honestly and with reasonable care. To assist us in providing you with a comprehensive service and to keep our records as up-to-date as soon as possible, please notify us of any changes to your personal circumstances, e.g., name change, change of address, etc.
We will provide assistance to you with any queries you may have in relation to policies you take out based on our advice, or in the event of a claim during the life of a policy we will explain the various restrictions, conditions and exclusions attached to your policy to you. However, it is your responsibility to read policy documents, literature and brochures to ensure that you understand the nature of the policy cover; particularly in relation to Permanent Health Insurance (PHI) and Serious Illness policies.
Specifically on the subject of PHI policies, it is our policy to explain to you a) the meaning of disability as defined in the policy; b) the benefits available under the policy; c) the general exclusions that apply to the policy; and d) the reductions applied to the benefit where there are disability payments from other sources. For a serious illness policy, we will explain clearly to you the restrictions, conditions and general exclusions that attach to that policy.
Remuneration
At Once Mortgages Limited is remunerated by commission and other payments from product providers or lenders on the completion of your business. You may choose to pay in full for our services by means of a fee. Where we receive recurring commission from the product producer which will be outlined prior to affecting your policy, we will provide an on-going service to you for that policy, we will send you an annual update on your investment business as part of this service. Details of our commission arrangements are available on our website and, in any event, will be discussed with you in respect of each product we recommend, at the point of recommendation.
Fees
In certain circumstances, it will be necessary to charge a fee for services provided. In other circumstances where fees are chargeable or where you choose to pay in full for our service by fee, we will notify you in writing in advance and agree the scale of fees to be charged.
If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to us unless an arrangement to the contrary is made.
If a loan is submitted on your behalf and it is declined because of undeclared credit problems, then we may have to charge a €500.00 administration fee to you which will be agreed with customer upfront. A fee of €250 is charged for arranging your mortgage application.
Mortgages
We may receive up to 1% (or whatever maximum is applicable) of the loan for arranging mortgage finance. This commission is paid by the mortgage lender. Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer. You have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending. The actual amount of commission will be disclosed at a later stage in the ESIS (European Standardised Information Sheet) which will be forwarded to you at loan offer stage.
Client Monies & Receipts At Once Mortgages Ltd. will only accept payments by direct debit, cheque or bank draft made out to the Providers we have agencies with.
We will issue a receipt, for any negotiable or non-negotiable instrument or direct debit mandate presented by you as payment for a financial product or service provided by us. We are not authorised to accept cash.
The acceptance by At Once Mortgages of a completed proposal DOES NOT in itself constitute the effecting of a policy. It is only when the Provider confirms the policy is in place that your policy is live.
Regular Reviews
It is in your best interests that you review, on a regular basis, the products which we have arranged for you. As your circumstances change, your needs will change. Please advise us of those changes and request a review of the relevant policy so that we can ensure that you are provided with up-to-date advice and products best suited to your needs.
Ongoing suitability is not part of our service where we recommend pension, savings and investment products as we are primarily a mortgage and protection advisor and we will only recommend pension, savings and investment products on request and having disclosed that we do not provide ongoing suitability.
Conflicts of interest
It is our policy to avoid conflicts of interest in providing services to you. However, where an unavoidable conflict of interest arises, we will advise and agree this with you in writing before providing you with any service. A full copy of our conflict-of-interest policy is available on request. As per above on remuneration policy above we receive payment from the providers and lenders for your business.
Default on payments by clients
We will exercise our legal rights to receive payments due to us from clients (fees) for services provided. Product producers may withdraw benefits or cover in the event of default on payments due for products arranged for you. We would refer you to policy documents or product terms for the details of such provisions.
Mortgage lenders may seek early repayment of a loan and interest if you default on your repayments. Your home is at risk if you do not maintain your agreed repayments.
Complaints
We have a complaints procedure which is available on our website. Your complaint can be in writing, email, telephone, or face to face. If your complaint is face to face or by phone, we will write to you to confirm our understanding of your complaint. We will acknowledge your complaint within 5 business days, advising you of the name of the person dealing with your complaint on behalf of the company. Please address any complaint to At Once Mortgages, 11A Georges Quay, Cork. If in the event, a complainant is dissatisfied with the outcome of our investigation, you are entitled to refer the matter to the Financial Services & Pensions Ombudsman, 3rd Floor,
Lincoln House, Lincoln Place, Dublin 2, Lo call 01
5677000, email info@fspo.ie
Data Protection
The data we hold on to you will be processed only in ways compatible with the purposes for which it was given. Our full Data Privacy Notice which provides more details in this regard, including your rights as a data subject, will be issued to you separately and is on our website.
Investor Compensation Scheme
We are members of the Investor Compensation Scheme. The Investor Compensation Act, 1998 provides for the establishment of a compensation scheme and the payment, in certain circumstances, of compensation to certain clients (known as eligible investors) of authorised investment firms, as defined in that Act. Compensation may be payable where money or investment instruments owed or belonging to clients and held, administered, or managed by the firm cannot be returned to those clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so. A right to compensation will arise only: If the client is an eligible investor as defined in the Act; and if it transpires that the firm is not in a position to return client money or investment instruments owned or belonging to the clients of the firm; and To the extent that the client’s loss is recognised for the purposes of the Act. Where an entitlement to compensation is established, the compensation payable will be the lesser of 90% of the amount of the client’s loss which is recognised for the purposes of the Investor Compensation Act, 1998; or Compensation of up to €20,000. For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955.
Governing Law and Business Succession These Terms of Business shall be governed by and construed in all respects according to the laws of the Republic of Ireland and will be deemed to cover any successors in business to At Once Mortgages.
DECLARATIONS
I/We acknowledge that I/We have been provided with
Terms of Business and Data Privacy Notice for At Once Mortgages Ltd and confirm that I/We have read and understand them.
Direct Marketing
I/We consent to At Once Mortgages contacting me in relation to the range of services provided by ourselves or our associated or partnership companies which we feel may be of interest to you and to the sharing of relevant information. We will still be allowed to contact you in relation to the business we have advised you on, even if you opt out of marketing material. You have the right to be removed from our marketing lists in the future, by contacting us and requesting same.