Your Trusted Online Mortgage Brokers since 2004

We guide first-time buyers through every step of the mortgage process — from assessing your affordability and explaining the Central Bank’s lending rules, to comparing mortgage options across our panel of 15+ lenders and handling all your paperwork through our easy-to-use online platform. We also advise you on government schemes like the Help-to-Buy incentive and the First Home Scheme, and we stay with you from your first enquiry right through to the day you get your keys.

We advise on and help you apply for the two main government schemes available to first-time buyers in Ireland: the Help-to-Buy (HTB) incentive, which provides a tax refund of up to €30,000 towards a new-build deposit, and the First Home Scheme, a shared equity initiative that bridges the gap between your mortgage, deposit, and the full purchase price. We assess your eligibility for both and ensure you maximise every entitlement available to you before you apply.

We move fast. Our online platform allows us to gather your documents, run affordability calculations, and submit your AIP application to the right lender without delay. Most clients receive their Approval in Principle within a matter of days. Having AIP in place means estate agents take your offers seriously, so we prioritise getting this sorted for you as early as possible in the process.

We search across our full panel of 15+ lenders — including AIB, Bank of Ireland, Avant Money, Haven, EBS, ICS, and Permanent TSB — comparing live rates, cashback offers, and mortgage terms on your behalf. We do not favour any single lender. Our only goal is to match you with the deal that saves you the most money over the life of your mortgage, and we present you with a clear comparison so you can make an informed decision.

Yes — switching is one of the most effective ways to reduce your monthly outgoings, and we make the process straightforward. We review your existing mortgage, compare it against current offers from other lenders, and identify whether switching makes financial sense after all costs and fees are accounted for. If it does, we handle the full paperwork and lender negotiations, and we ensure the transition happens with no disruption to your payments.

We do not walk away. If your application encounters a snag — whether that is a lender query, a valuation issue, or a documentation problem — our team goes above and beyond to resolve it. Unlike going directly to a bank, we advocate for you throughout the process. With access to multiple lenders, if one lender raises a concern, we can often identify an alternative lender whose criteria better suit your circumstances and keep your application moving.

Yes. We assess your current mortgage and the current value of your property to determine how much equity is available, and whether refinancing makes financial sense for your situation. We then compare refinancing options across our lender panel to find the most competitive rate, handle all negotiations and paperwork on your behalf, and ensure you are fully aware of any costs before you commit. Equity released through refinancing is commonly used for home improvements, education costs, or consolidating other debts.

We do both, and we advise you on which option saves you more money. If your current rate is competitive, we will assess whether porting your mortgage to your new property is possible and cost-effective. If a new mortgage deal from a different lender offers better value, we will compare the options side by side and manage whichever route is the right one for you. We also handle the timing of buying and selling so the financial transition is as smooth as possible.

Yes. We advise investors at every stage — from assessing whether the rental yield on a prospective property stacks up financially, to comparing buy-to-let mortgage options across lenders who specialise in investment property. We guide you through the approval process, explain the deposit requirements (typically 20–30% for investment properties), and provide ongoing support to ensure your investment mortgage stays competitive as your portfolio grows.

A Lifetime Mortgage is a form of equity release that allows homeowners — typically aged 60 or over — to access a lump sum secured against the value of their home, without having to sell or move out. You retain full ownership, repayments are optional, and the loan is repaid when the property is eventually sold. We explain all the terms, costs, and long-term implications clearly, compare the available products on the market, and help you decide whether a Lifetime Mortgage is the right solution for your circumstances.