Terms of Business

JC Mortgages Limited

Effective Date: 6th of October 2026

Introduction

These Terms of Business set out the general terms under which JC Mortgages Limited (hereafter “JC Mortgages Limited” or “JC Mortgages” or “we” or “us” or “our” or the “firm” or the “Company”) will provide business services to you and the respective duties and responsibilities of both the firm and you in relation to such services. This document contains details of the regulatory and statutory obligations and the respective duties of both the firm and you in relation to such services. It is intended to be clear and transparent in outlining our relationship with you. Any material changes to this document will be communicated to all affected clients in good time. Please take a few minutes to read through these and if you have any questions, we will be happy to answer same.

1. Our Details

Legal/Trading Name: JC Mortgages Limited
Address: 24 Millrace Road, Phoenix Park Racecourse, Dublin 15
Telephone: 01 810 2032
Email: info@jcmortgages.ie
Website: www.jcmortgages.ie
Central Bank Reference Number: C466128

2. Authorised & Regulatory Status

JC Mortgages Limited is authorised and regulated by the Central Bank of Ireland.

JC Mortgages Limited is registered to undertake insurance distribution under the European Union (Insurance Distribution) Regulations 2018 and to carry on mortgage intermediary activities pursuant to Section 31(10) of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and Section 151A (1) of the Consumer Credit Act 1995.

You may contact the Central Bank of Ireland on 0818 681 681 or +353 (0)1 224 5800 or alternatively visit their website at www.centralbank.ie to verify our credentials.

Copies of our regulatory authorisations are also available on request.

2.1 Statutory Codes

The Company is subject to and complies with the Central Bank’s Consumer Protection Code 2025, the Minimum Competency Code 2017, the Minimum Competency Regulations 2017 and the Fitness and Probity Standards. These Codes offer protection to consumers and can be found on the Central Bank of Ireland website www.centralbank.ie

3. Services We Provide and Basis of Analysis

JC Mortgages Limited provides regulated intermediary services in relation to mortgages and certain insurance, life assurance, pension and investment-related products within the scope of our regulatory permissions and agency appointments. Any advice or recommendations that we offer will be based on clients’ needs and objectives, personal circumstances, financial position and, where relevant, attitude to risk. We will confirm to clients in writing the basis of our reasons for recommending any financial products.

The range of providers considered depends on the particular financial service.

3.1 Mortgages

JC Mortgages Limited provides advice on and arranges mortgage products from a limited number of mortgage lenders with whom we hold agency appointments or to whom we have access through an authorised intermediary arrangement.

Our mortgage service is therefore provided on a limited analysis basis. Limited analysis means that we consider products and services from a limited number of product producers or lenders.

The mortgage lenders whose products we may consider are listed in Appendix 1 to these Terms of Business.

We can advise on and arrange mortgage products including, where available from our lender panel:

  • fixed-rate mortgages;
  • variable-rate mortgages;
  • capital and interest repayment mortgages;
  • interest-only mortgages where applicable; and
  • other mortgage products available through our lender appointments.

Before providing mortgage advice, we will obtain sufficient information concerning your personal circumstances, financial circumstances, needs and objectives. Affordability and creditworthiness are fundamental elements of the mortgage assessment.

You must provide complete and accurate information and any supporting documentation reasonably required. A lender may be unable to complete its assessment of creditworthiness where necessary information or verification is not provided.

3.2 Life Assurance, Pensions and Investment Products

JC Mortgages Limited holds written agency appointments with a number of insurance undertakings and product producers. As part of our limited analysis service, we have selected Irish Life Assurance plc as our preferred product producer, (including life assurance, specified illness cover, income protection, unit-linked savings, investments, and pension plans), and Personal Retirement Savings Accounts (PRSAs).

For these products, we will assess suitable products available from Irish Life Assurance plc in the first instance.

Where Irish Life Assurance plc does not provide a product which is suitable for your personal circumstances, financial position, needs and circumstances, we will consider suitable alternatives available through our other agency appointments.

A full list of the product producers with whom JC Mortgages Limited holds agency appointments is set out in Appendix 1 of these Terms of Business.

3.3 Life, Serious Illness and Income Protection

We will provide assistance to you for any queries you may have in relation to the policies or in the event of a claim during the life of the policies and we will explain to you the 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; particularly in relation to Income Protection (or Permanent Health Insurance) and serious illness policies.

Specifically on the subject of income protection (or permanent health insurance) policies, it is our policy to explain to you;

  1. a) the meaning of disability as defined in the policy
  2. b) the benefits available under the policy
  3. c) the general exclusions that apply to the policy
  4. 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.

4. Remuneration Policy

JC Mortgages Limited may be remunerated by fees paid directly by you, by commission received from product providers, or by a combination of fees and commission, depending on the financial service provided.

Where we charge you a fee, the amount of the fee will be disclosed to you in advance. Where it is not possible to specify the exact amount in advance, we will explain the basis or method by which the fee will be calculated.

If we receive commission from a product provider, this may be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission may become the amount payable to the firm unless an arrangement to the contrary is made.

We may also receive commission or other remuneration from mortgage lenders, insurers and other product providers in connection with financial products or services arranged for you. Details of our commission and remuneration arrangements are available in our Commission Summary on our website.

Where we receive ongoing or recurring remuneration from a product provider, we will disclose the basis on which that remuneration is received and the nature of any service provided to you in connection with that remuneration.

Pursuant to Regulation 32 of the Consumer Protection Code 2025, we must make available on our website, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to us which has been agreed with our product producers can be found displayed on our website (https://www.jcmortgages.ie/commission/).

The method of remuneration applicable to a particular service will be explained to you where required before you enter into the relevant financial service.

A summary of arrangements for fees and commissions receivable by JC Mortgages Limited from regulated entities is available on our website (https://www.jcmortgages.ie/commission/) and from our office.

Before concluding a contract for a financial service, we will bring relevant remuneration information to your attention and provide clarification where requested.

4.1 Mortgage Fees

Unless otherwise agreed with you in writing, the following mortgage fees apply:

Standard Approval in Principle – €350

A fee of €350 is payable on approval in principle. If you are not approved, no fee applies.

Self-Employed Mortgage Application – €950

The total fee is €950, comprising:

  • €500 payable on approval; and
  • €450 payable on loan offer.

Self-Build Mortgage Application – €1,500

The applicable fee is €1,500, payable in accordance with the fee arrangement disclosed to you before we provide the relevant service.

Complex Mortgage Cases – €2,000

A fee of €2,000 may apply to complex cases, including cases involving matters such as adverse or historic credit issues, multiple properties or other circumstances requiring materially additional work.

We will explain the applicable fee and payment stages to you before undertaking work for which the fee will be charged.

Where a fee not specified above may apply, we will provide you with details of the proposed fee in advance.

5. Conflicts of Interest

JC Mortgages Limited has a Conflicts of Interest Policy in place to prevent and manage conflicts of interest that may arise between JC Mortgages Limited, its employees, product providers and customers, or between different customers.

Potential conflicts may arise, for example, from our agency appointments, remuneration arrangements or our preferred product producer arrangements. We will not allow remuneration or other commercial arrangements to override our obligation to act in the best interests of consumers.

Where a conflict is required to be avoided under applicable regulatory requirements, we will avoid that conflict. Where a conflict may lawfully be managed, we will take appropriate steps to prevent it from adversely affecting your interests. Where those arrangements are not sufficient to ensure, with reasonable confidence, that the risk of damage to your interests will be prevented, we will clearly disclose the nature and source of the conflict to you before providing the relevant financial service and obtain any acknowledgement required by applicable regulation.

6. Reviewing Your Policy

When recommending an insurance-based investment product or pension, it’s important that you understand how we will help ensure it continues to meet your needs, and the part you play in that.

This is a medium to long-term product, so we do not believe it requires annual reviews. We will not automatically review it every year. However

  • We will write to you annually to remind you that advice is always available, and you will also receive at least one update on your product each year.
  • You should use these reminders to contact us if your circumstances change or if you feel a review is needed.
  • From time to time, we may also contact you directly to offer advice or if we believe key decisions are needed on your product.

7. Consumer Default and Product Payments

JC Mortgages Limited reserves the right to exercise its lawful rights and remedies in respect of fees or other amounts properly due to us for services provided.

Where premiums, mortgage repayments or other payments due under a financial product are not paid, the relevant lender or product producer may exercise rights available to it under the terms and conditions of that product.

Depending on the financial service, this may include:

  • cancellation or termination;
  • withdrawal or reduction of benefits;
  • lapse of insurance cover;
  • interest or other permitted charges; or
  • other contractual remedies.

Full details of the consequences of default will be contained in the terms and conditions applicable to your particular financial product.

8. Complaints Procedure

JC Mortgages Limited operates a complaints handling procedure designed to investigate and resolve consumer complaints fairly and promptly.

You may make a complaint to us by:

Telephone: 01 810 2032
Email: info@jcmortgages.ie
Post: Compliance Department, JC Mortgages Limited, 24 Millrace Road, Phoenix Park Racecourse, Dublin 15

Once a complaint has been received, we will:

  1. acknowledge the complaint on paper or another durable medium within 5 working days;
  2. provide you with a point of contact for the complaint until it is resolved or our complaints procedure has been exhausted;
  3. investigate the complaint fully, objectively and fairly;
  4. provide you with regular updates on paper or another durable medium at intervals of no greater than 20 working days from the date the complaint was received; and
  5. make reasonable efforts to investigate and resolve the complaint within 40 working days.

If the complaint has not been resolved within 40 working days, we will:

  • advise you of the anticipated timeframe within which we hope to resolve it;
  • advise you, where applicable, of your right to refer the complaint to the Financial Services and Pensions Ombudsman; and
  • provide the Ombudsman’s contact details.

Within 5 working days of completing our investigation, we will advise you on paper or another durable medium of:

  • the decision reached and the reasons for that decision;
  • where applicable, the terms of any offer or settlement;
  • your right, where applicable, to refer the matter to the Financial Services and Pensions Ombudsman; and
  • the Financial Services and Pensions Ombudsman’s contact details.

Financial Services and Pensions Ombudsman

Where you are entitled to do so, you may refer an unresolved complaint to:

Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2
D02 VH29

Telephone: 01 567 7000
Email: info@fspo.ie
Website: www.fspo.ie

9. Data Protection

JC Mortgages Limited is committed to protecting your personal data and respecting your privacy.

We process personal data in accordance with applicable data-protection legislation, including the General Data Protection Regulation (EU) 2016/679 (“GDPR”) and the Data Protection Act 2018.

We retain your data only for as long as necessary to fulfil these purposes or as mandated by the Central Bank of Ireland’s retention rules. Full details regarding how we process your data and the legal bases we rely upon, and your statutory rights (including access, rectification, erasure, and restriction of processing) are detailed in our full Data Privacy Notice, available at https://www.jcmortgages.ie/privacy-policy/ or upon request.

10. Trusted Contact Person

At your request, you may nominate a person as a Trusted Contact Person in accordance with applicable Central Bank requirements.

A Trusted Contact Person may be contacted in specified circumstances, including where:

  • we experience difficulty communicating with you; or
  • we have concerns regarding possible financial abuse, including fraud.

The nomination of a Trusted Contact Person does not give that person authority to act on your behalf, make financial decisions for you, amend a policy, operate an account or otherwise deal with your financial affairs.

We will obtain and record the information and agreements required before contacting a Trusted Contact Person and will only share information with that person to the extent permitted by applicable requirements.

A Trusted Contact Person is different from a person who has a formal legal authority to act for you, such as an attorney or another legally appointed representative.

11. Consumer Insurance Contracts Act 2019 (CICA)

Where JC Mortgages Limited arranges an insurance product on your behalf, certain rights and obligations arise under the Consumer Insurance Contracts Act 2019.

You are required to answer all questions asked by the insurer honestly and with reasonable care. You are not generally required to provide information which the insurer has not specifically asked you to provide.

If information provided is incorrect or misleading, the insurer may have remedies available under the Act depending on the nature and significance of the information concerned.

You must notify the insurer of a claim within a reasonable time and cooperate with reasonable requests for information or documentation.

Cancellation and cooling-off rights apply in accordance with the Consumer Insurance Contracts Act 2019 and other applicable insurance legislation. Full details of your rights and obligations will be provided in the relevant insurer’s policy documentation.

12. Investor Compensation Scheme

JC Mortgages Limited is a member of the Investor Compensation Company Limited (ICCL).

The Investor Compensation Scheme provides compensation to eligible clients in certain circumstances where a participating investment or insurance intermediary is unable, due to its financial circumstances, to return money or investment instruments owed to or belonging to its clients.

Where a valid claim arises, compensation is limited to 90% of the eligible client’s net loss, subject to a maximum payment of €20,000.

The scheme does not compensate for losses arising from investment performance, market movements or unsuitable or poor investment advice.

JC Mortgages Limited acts as an intermediary and does not hold or manage clients’ underlying investment assets. These are held or administered by the relevant product provider.

For further information, contact the Investor Compensation Company Ltd. at (01) 224 4955

13. Anti-money Laundering/Countering the Finance of Terrorism

Our firm reserves the right to request any information about the client which we reasonably believe is required to comply with the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 (as amended).

14. Receipt

JC Mortgages Limited shall issue a receipt for each non-negotiable or negotiable instrument or payment received pursuant to the Consumer Protection Code 2025. These are issued with your protection in mind and should be stored safely. 

15. Sustainable Finance Disclosure Regulations

‘Sustainability Risk’ refers to an environmental, social or governance (ESG) event or condition that could cause an actual or a potential negative impact on the value of a product we recommend to you. Financial Advisers, such as JC Mortgages Limited are required to ask if you have any sustainability preferences with regarding to certain financial products, namely savings, investment and pensions products. Please note however, that we are not required to consider your sustainability preferences for the purposes of assessing the suitability of these product(s). However, if the recommended financial product(s) meets your sustainability preferences, this will be outlined in your statement of suitability.

16. Governing Law and Jurisdiction

Our terms of business shall be governed by and construed in all respects according to the laws of the Republic of Ireland.

17. Changes to These Terms of Business

JC Mortgages Limited may amend these Terms of Business from time to time.

Where a change is material and affects the basis on which we provide regulated financial services to you, we will provide you, on paper or another durable medium, with:

  • the revised Terms of Business; and
  • information identifying the material changes in a manner which enables you to understand and compare the revised position.

Where required by applicable regulation, this information will be provided at least 5 working days before the change takes effect in relation to you.

Appendix 1 – Agency Appointments

JC Mortgages Limited maintains agency appointments and/or authorised access arrangements with product producers and lenders.

Insurance, Life Assurance, Pension and Investment Product Producers

  • Irish Life Assurance plc
  • Zurich
  • New Ireland Assurance Company plc
  • Aviva
  • Standard Life

Mortgage Lenders

Current appointments/access arrangements include:

  • Permanent TSB
  • Bank of Ireland
  • Dilosk / ICS Mortgages
  • Avant Money
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