Terms of use

Simpler Mortgages terms of use.

We’re changing the way mortgages work by creating a better experience for borrowers. No more hoops to jump through; no more unnecessary fees, and especially no more forms. We’re reimagining the application process to make it smarter, faster, and simpler. We want everything we do to be clear and transparent, and this starts with what you’re agreeing to when you sign up with us.

This is all detailed in our terms of use below. Please take the time to read and understand this document, and if you have any questions or feedback let us know at help@simpler.ie.

These legal terms, are between you and Simpler Mortgages by OMAC. You will be required to agree to them prior to using our services.

You should read this document alongside our privacy policy and cookie policy. Please note, an up to date version of these documents will always be available on our website www.simpler.ie

Who are Simpler (Simpler/us/we/our) and what do we do?

Simpler Mortgages by OMAC, is a trading name of OMAC Mortgages and Finance.

OMAC Mortgages and Finance, Clondalkin, Dublin 22 and is regulated by the Central Bank of Ireland C47857 as mortgage intermediary and is authorised under Section 116 of the consumer credit act, 1995 (as amended). Our authorisation can be verified by verified by contacting the Central Bank of Ireland LO Call 1890 777 777 or by visiting Central

OMAC Mortgages & Finance Ltd is subject to and complies with the Consumer Protection Code, Minimum Competency Code and the Fitness and Probity Standards as laid down by the central Bank of Ireland these codes are in place for the protection of the consumer and can be found on www.centralbank.ie.

OMAC Mortgages and Finance Ltd acts as a mortgage broker, which means that the principal regulated activities of the firm. are provided on a fair analysis of the market.

OMAC Mortgages and Finance Ltd is also authorised under Part V of the Central Bank Act, 1997 (as amended by the Central Bank (Supervision and enforcement act) 2013 for the provision of debt management services.

OMAC Mortgages and Finance Ltd offer advice in relation to all classes of mortgages and mortgage restructures. It can transmit orders on client’s behalf to any of the product producers from whom the firm holds letters of appointment. A list of all such entities is contained elsewhere in our Terms of Business.

We are a mortgage intermediary service and offer you access to a comprehensive range of mortgages from a broad panel of lenders in the Irish mortgage market.

Here’s a list of lenders we currently have access to. We will update this list as and when we bring on additional lenders.

Our service is currently only available to Irish residents for properties that are registered in Ireland.

Registering an account with Simpler

Our site allows you to set up a free Simpler user account to enable you to access and use our product and service.

You will register with your email address and create an account using a password that is personal to you. Please ensure you keep this safe at all times and never reveal it to anyone else.

If you discover, or suspect, that anyone other than you knows your login details you must promptly change your password. If you need any help regarding the security of your account please email help@simpler.ie.

We have the right to suspend or disable your account for any reason – including security reasons or if you have breached this contract. This may be done on a temporary or permanent basis.

About our mortgage intermediary service

We will only provide mortgage advice based on your personal information and circumstances; we do not provide execution-only services. Once we have advised you on which mortgage is the most suitable for you, our product (website) enables you to apply for your mortgage via our mortgage experts.

We make recommendations for mortgages that are suitable for you based on your preferences and circumstances. It is your responsibility to ensure that the information you provide is accurate and up to date as we may need to see evidence of it to support your application to the lender.

Prior to applying for a mortgage we will send you the evidence of our research and a mortgage illustration that we have selected for you based on that research. Please take time to review and understand it as it will be based on the information you have provided to us.

Any mortgages that we recommend to you are not provided by our mortgage intermediary service but are instead provided by third party mortgage lenders, who we work with but do not govern.

The mortgages and services on our site may only be applied for by individuals and we will decline any application if it appears to be placed for business purposes. Buy-to-let mortgages are exempt from this clause.

Collecting your data

In order to advise you on the best mortgage for your circumstances we require you to complete our online mortgage application, this is broken down into four stages; Your loan, Personal, Tax and Residency, Savings and Loans.

Once these steps have been completed you will be requested to upload documentation to support your application. Some examples of documents we will need are: your passport, bank statements and payslips. These will need to be scanned using a colour flatbed scanner to ensure they are legible. In doing so you authorise us to review them. Where necessary, we may request that you provide better quality scans or alternative documentation.

Once we have approved all of your documentation we will be in a position to submit your mortgage application to your chosen lender.

Please ensure you read our privacy policy in conjunction with these terms of use so that you know how we will process your data.

Applying for a mortgage

There are various stages involved in applying for a mortgage using our mortgage intermediary service. As part of our service we will guide you through these stages as your application progresses.

Once we have submitted your application to your chosen lender, we will send you an email to confirm that we’ve done that. We will then work with you and liaise with your lender to complete the process. Completion is the drawdown of your mortgage – when the money is in yours or your solicitor’s bank account. We will continue to keep you informed throughout the mortgage process, either by text, email, phone call or letter.

If you start a mortgage application and do not finish it we will send you a range of reminders offering tips and advice on how to complete your mortgage application.

We may refuse to proceed with an application if:

  • The documentation you provide cannot be verified;
  • We believe that you are unlikely to be suitable for a mortgage that we can provide;
  • Your application has been declined by the mortgage provider
  • We have reason to believe that information that you have provided to us is inaccurate or misleading;
  • We have reason to believe that you have made a high volume of applications and/or have repeatedly applied and withdrawn these applications;
  • You fail our anti-money laundering (AML) and counter-terrorist financing (CTF) due diligence processes;
  • The application appears to be for purposes that do not fit within the scope of our service (including as set out in these terms);
  • The application is for an address outside of Ireland.

If we are unable process your application, we will contact you at the earliest possible opportunity to inform you.

You agree that we may act on your behalf in liaising with mortgage lenders and any other third parties involved in the mortgage application process.

We are unable to provide any assurance that your application will be approved by a mortgage lender. If or when your application is approved by a mortgage lender, we will have no responsibility for ensuring that the mortgage is entered into or fulfilled (you or the lender may decide not to progress with it).

Should the lender be made aware of any information that may affect their lending decision (before or after approval), they may withdraw your mortgage offer by referring to their terms and conditions. We cannot be held responsible for this.

If you are applying for a mortgage in respect of a property that you wish to purchase, we will not be involved in any way in the purchase process. We will, however, support you wherever we can. It is your responsibility to provide all necessary details of the mortgage and mortgage provider to your solicitor, estate agent and/or conveyancing practitioner.

You may withdraw your mortgage application at any time before your mortgage has been entered into emailing help@simpler.ie or contacting us via your customer dashboard on our website.

Please note any non-refundable lender fees already paid may not be refunded if you cancel an application. Any fees that are due to be refunded to you will come from the company you have paid them to. We are not liable to you for any refunds.

When your mortgage draws down

Once you have drawn down your mortgage we will keep your information on file. The information and documents you submitted to us are stored on your customer dashboard and we will periodically ask you to ensure your information is up to date so that we can continue to provide you with the best ongoing service.

Mortgage market monitoring

If you enter into a mortgage using our mortgage intermediary services, we will automatically compare your mortgage with other mortgages to ensure you are always on the best possible deal. We will notify you if we believe there are other mortgages that may be suitable for you to switch to in light of the information we have about you; for example, we may contact you towards the end of a fixed-rate period on your mortgage.

In order for us to provide an accurate mortgage intermediary service to you please ensure your personal information is up to date. Any changes in your circumstances that are not updated on your account could mean that a mortgage quote we provide may not be the best deal for you. We will periodically remind you to keep your details up to date.

Other Simpler features

It is our mission to ensure that everyone is always on the best possible mortgage. As additional benefits to having a Simpler account, we will periodically:

Send you communications based on your current mortgage status (for example if you’re a first time buyer or are looking to remortgage);

Make coaching tools available to you in order to help you achieve your mortgage goals and home-owning aspirations.

Changes we make to these terms

We may change these terms at any time. We will let you know when we do change them, usually by email. We’ll highlight the changes we make so that you can clearly see them. If you do not agree with the amended terms, you are entitled to stop using our site and services at any time.

Our right to withdraw or suspend the mortgage intermediary services

We may withdraw or suspend our mortgage intermediary services at any time and for any reason. If you are registered with us, we will contact you to let you know that we are going to suspend or stop providing the service. We will endeavour to let you know at least two weeks in advance. In some circumstances, however, we may need to withdraw or suspend our mortgage intermediary services without notice – for example if that reason is beyond our reasonable control.

Access to our website

We will regularly review our website and will do our best to ensure that it is up to date. However, if you notice that there is content that is inaccurate please let us know at help@simpler.ie.

We cannot guarantee that our site, or any content on it, will always be available or be uninterrupted. We do however have contingency plans in place and will try and keep any down time to a minimum.

You are responsible for ensuring that all authorised persons who access our website through your account are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

You must not use the website in any way that is unlawful or fraudulent. If we suspect you are doing so we reserve the right to suspend or close your account without notice.

Our intellectual property

You may print off copies of any page(s) from our site for your personal use but you must not modify any of the materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, graphics, or video or audio sequences separately from any accompanying text except for your own use.

The content on our website is provided for information only. It is not intended to amount to advice on which you should rely. You must obtain appropriate separate advice (whether provided by us or through another person) before making mortgage decisions.