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Methodology

How the Irish Mortgage Intermediary Register works

Source

Every intermediary on this register comes from the Central Bank of Ireland's public register of Mortgage Credit Intermediaries and Mortgage Intermediaries at registers.centralbank.ie. The Central Bank's own search groups this register under two internal ids, and this tracker walks both:

  • Register id 55 - firms and sole traders registered as Mortgage Credit Intermediaries under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 and/or authorised as Mortgage Intermediaries under Part IX of the Consumer Credit Act, 1995.
  • Register id 57 - Mortgage Credit Intermediaries admitted in another EEA Member State that have notified their intention to operate in Ireland on a Freedom of Services or Freedom of Establishment basis.

The two walks are combined and deduplicated by CBI reference number, exactly mirroring how the Central Bank's search presents the register ("Mortgage Credit Intermediaries/Mortgage Intermediaries"). Each entity record carries the following fields, published verbatim from the official register:

  • Entity name and CBI reference number
  • Registration status as recorded on the register
  • Authorisations and registrations where the register records them
  • Source URL linking directly to the Central Bank record
  • Date the record was retrieved from the register

Where an intermediary can be matched to a registered company, we enrich its record with company-registration data from the Companies Registration Office (company number, incorporation date, registered address). CRO enrichment is best-effort and never blocks publication: if the match is uncertain, we leave the field empty rather than guess.

No EBA EUCLID backfill applies to this register. Mortgage intermediaries are not PSD2 payment institutions or e-money institutions, so that date source does not cover them. Authorisation dates are published by the Central Bank where available and are copied verbatim; we do not estimate or infer them.

GDPR - legal basis and data minimisation

The register is a statutory public record maintained by the Central Bank of Ireland. Publication of its contents in a searchable, linkable form is grounded in the following legal basis under the General Data Protection Regulation (EU) 2016/679:

  • Article 6(1)(e) GDPR - public task / legitimate interests of the controller: the register exists precisely to enable verification of an intermediary's registration status by consumers, clients and counterparties. Re-publishing it in a structured, citable form serves that same public interest.
  • Legitimate Interest Assessment (LIA): the purpose (enabling businesses and borrowers to verify that a mortgage broker or intermediary is registered) is legitimate and proportionate. The data published here is restricted to what the Central Bank itself makes publicly available: entity name, reference number, status and recorded authorisations. We do not publish contact details, personal email addresses, phone numbers, or any data beyond the register record and CRO company data.
  • Data minimisation for natural persons: this register includes sole traders and individuals trading under their own name. For any entity whose name matches a natural-person pattern and cannot be matched to a registered company, the address field is suppressed (published as empty) to avoid publishing what may be a residential address. When in doubt, the address is omitted.

For business due diligence

The register facts published here - registration status, reference number and recorded authorisations - are due-diligence facts: they confirm whether a firm or sole trader holds a current Central Bank registration to arrange mortgage credit in Ireland. This surface is for verification, not for ranking or recommending intermediaries.

Every number on the register can be cited as "as recorded in the Central Bank of Ireland register on [date]", with a link to the individual entity page or the headline anchor. Counts are reproducible: the snapshots and the change ledger live in a public Git repository, so you can verify what we said on any given date.

Cadence

The pipeline runs weekly. It walks the register, normalises every row to one canonical schema, and diffs the result against the previous week's snapshot. Snapshots and the change ledger are committed to a public Git repository, so the full history is auditable.

Baseline established 25 July 2026. Last sync 17 August 2026.

What the diff detects

Comparing this week's snapshot to last week's produces four kinds of event:

  • New registration - an entity present this week that was absent last week.
  • Removed from register - an entity present last week that is absent this week.
  • Status changed - the same entity with a different status string.
  • Services changed - the same entity with a different set of recorded authorisations.

Accuracy guardrails

  • No language model in the data path. Every field is copied verbatim from the official register. No figures or entity details are model-generated.
  • Diff sanity check. If more than 15% of the register changes in one run, the pipeline halts and routes the diff to a manual review queue rather than overwriting the snapshot. A swing that large almost always means the register's format changed, not that reality did.
  • Removals are stated plainly. An entity that leaves the register is labelled "removed from register" - exactly as the register records it. We never editorialise a removal as an intermediary "losing its authorisation" without the Central Bank's own status wording.
  • Source and date on every row. Each entity links to its Central Bank register page and carries the date we retrieved it.
  • No incomplete walk overwrites a snapshot. If the walk is incomplete (transient outage, format change), no REMOVED events are emitted and the existing snapshot is not overwritten.
  • Footer-address guard. The Central Bank's firm-detail pages render the Bank's own contact address in a footer box. If a parse regression ever causes every firm in a register to share one identical address value, the pipeline nulls the field for that register rather than publish it.

Correction and objection

If you believe a record here is wrong, the authoritative source is always the Central Bank of Ireland register itself - check the linked CBI page first. If our copy is out of step with the register, tell us and we will correct it on the next sync or sooner. We publish the register; we do not give legal, financial or regulatory advice, and a listing here is not an endorsement.

If you are an individual (sole trader or natural person) listed on this register and wish to object to any data we publish about you, contact us with your CBI reference number. We will review your case within 10 working days. Note that the register itself is a statutory public record maintained by the Central Bank; our correction policy governs our copy only.

What this is not

Out of scope by design: mortgage-rate comparisons, "best broker" editorial, commission or fee data, personal contact details, and any scraping of individual intermediary websites. This is a record of the official Central Bank register, nothing more.