Will Revolut revolutionise the Irish mortgage market? Experts have their say

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Revolut

Early next year Revolut says it will start offering mortgages in Ireland, although significant questions remain as to how that will work

Apart from that one time it wrecked the economy and the lives of millions of people back in 2008, the Irish banking system had an uneventfully staid, steady and predictable time of it for the guts of 150 years until 2015.

It offers traditional bank accounts, loans, credit cards and insurance products as well as access to a dizzying array of cryptocurrencies that surely few of its users understand.“We’re very keen to get mortgages launched next year in Ireland,” Joe Heneghan, chief executive of Revolut Europe, told The Irish Times on Tuesday following the publication of its annual report. “Our team is working very hard on it. I would probably say the first half of next year is realistic. The market is attractive.

One person who was targeted by criminals lost thousands of euro after her account was compromised. She told us that despite the crime she never once spoke to a human being working with the company and all her frantic dealings with Revolut had to be conducted online, sometimes with chatbots. That is not to say these “traditional” customers don’t sometimes lose out to scammers, they can. But at least they get to speak to other human beings about it, and that counts for something.

“I would have reservations about their ability to compete in the mortgage market,” he says. “I think their offering is somewhat incoherent. They don’t seem to be sure whether they are going to distribute directly or through brokers, and has anyone ever spoken about the Revolut’s wonderful customer service?”, says that although Revolut has grown at a staggering pace, it “hasn’t really damaged Irish bank profits” as bank margins usually come from lending rather than payments.

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