We’re independent mortgage advisors who gives whole of market advice.
Planning on switching your mortgage? We will get you the most competitive rate in the market and may even put cash back in your pocket.
We ensure you’re getting the best deal on your mortgage based on your circumstances. We help you understand what’s best for you whether it is switching mortgage to potentially save €1000s over the term of your mortgage or reducing your term through restructuring your payments, all while identifying the right time to do so.
We have an extensive team of qualified mortgage specialists, and we can meet you when and where it suits you best. We strive to ensure the process is stress-free and seamless so no matter what you want to do, we’re here to help.
Moving lenders might help you secure a lower interest rate on your current mortgage thereby potentially saving a significant sum of money in the long term. We’ll evaluate your circumstances, explain to you all the options that are available to you & help you access the cheapest mortgage rates through our network of all major Irish lenders.
We’ll help you identify the best deal for your circumstance & provide quick as well as concise guidance throughout the process. We do the switching and you make the savings.
When can you switch?
You know how stressful it can be, having been through the mortgage application process before. Whether you’re trading up or moving on, we’ll help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you make the move swiftly.
We’ll help you identify how much you can borrow & help you secure the most suitable deal based on your needs.
One of the most crucial financial and emotional decisions you will ever make is purchasing your first home. We help you access the most affordable mortgage rates through our network of all major Irish lenders & provide quick as well as concise guidance throughout your mortgage journey to help you get on the property ladder.
We’ll review your situation & recommend most suitable government schemes where applicable based on your situation whether is it Help to Buy Scheme, Local Authority Home Loan or First Home Shared Equity Scheme.
Did you know?
Under the new central bank guidelines, first time buyers will be able to borrow up to 4 times their income from January 2023 onwards.
A Lifetime Loan sometimes called equity release in Ireland allows homeowners aged 60 and over to unlock tax-free cash from the value of their home. You stay the legal owner of your house, live there as long as you wish and you do not need to make regular repayments unless you choose to. The loan is repaid when your property is sold, or when you move out permanently.
Who are Lifetime Loans suitable for?
Key features of Lifetime Loans in Ireland
We will work out how much you can borrow, compare rates across Irish lenders, check eligibility for government schemes, and walk you through the entire process step by step. It is a no pressure conversation designed to give you real clarity.
Under Central Bank rules, First Time Buyers can borrow up to 4 times their gross salary, while Second Time Buyers can borrow up to 3.5 times. Every situation is different though, so we will crunch the numbers specifically for you.
You can, and it can save you thousands. Many lenders also offer cashback and incentives to help cover the cost of switching. We will walk you through what is on the table and help you weigh up the pros and cons.
Not at all. Our mortgage advice service is completely free to you. We are paid a commission by the lender once your mortgage draws down, so there is no cost to getting expert guidance.
Yes! Most of our mortgage consultations take place online via Microsoft Teams, though we are always happy to meet in person if you would prefer that.
Absolutely. We keep an eye on the market on your behalf and will let you know when a better deal becomes available. If you decide to switch, we will be right there to support your application from start to finish.
It helps to have your ID (passport or driving licence), proof of address, recent payslips, accounts, bank statements, and details of any existing savings or loans. Do not worry if you are not sure exactly what applies to you. We will guide you on what is needed based on your individual situation.
Yes, we do. We will explain how buy to let mortgages work, what lenders typically look for, and how to structure your borrowing in a way that works for your goals.
Approval in Principle (also called AIP) can often be issued within a few days of submitting your documents, and it is usually valid for 6 to 12 months. Full mortgage approval then follows once you have found a property and agreed a sale. The full timeline can vary depending on the lender and how quickly documents are provided, but we keep things moving for you every step of the way.
First Time Buyers generally need a minimum deposit of 10% of the property purchase price. Second Time Buyers typically need 20%. There are some exemptions available that may allow you to borrow above standard limits in certain cases. We will look at your full picture and let you know exactly what applies to you.
Absolutely. Single applicants get mortgages every day and there is no rule that says you need to apply as a couple. Your borrowing capacity will be based on your individual income and circumstances. We work with single applicants regularly and will help you understand exactly what is available to you.
Applying for a mortgage in Ireland involves getting your finances in order, gathering supporting documents, and choosing the right lender for your needs. Working with a broker like us means you get access to the full market rather than just one lender, and we manage the process for you from start to finish. Book a free consultation and we will take it from there.
A mortgage and a home loan are essentially the same thing. Both refer to the loan you take out to purchase a property, secured against that property. The terms are often used interchangeably in Ireland. Whatever you call it, we can help you find the right one.
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Have a question? You can always askpaul!
