Getting your Irish mortgage approved: our Mortgage Masterclass

Demystify your mortgage application and get into your perfect property faster.

We see all sorts of Irish mortgage journeys and have used this knowledge and experience to create this masterclass. Our Mortgage Masterclass will answer all your questions and make the process faster and easier.

Following a Mortgage Masterclass, you will know for certain:

• The amount of a mortgage for which you can qualify
• The five crucial tips for preparing for an Irish mortgage
• Everything you need to know about bank interest rates
• Bank offers and what to expect
• The criteria for the Help to Buy Scheme

Finding a home in Ireland

Getting the keys to your new home is wonderful thing. The process of getting there? Often not so much. There can be so much stress around applying for mortgages – possibly being rejected, having to apply repeatedly – that it can be difficult to enjoy even the smallest joys of home hunting, from online browsing and open houses to décor shopping and daydreaming.

In the past individuals and couples often moved in with their parents so they could save up for a house deposit, find a home and get on the property ladder. Now many find themselves unable to leave their childhood home. House prices are rising – figures from the Central Statistics Office show that national house prices rose by 9% in 2024.

Rental offerings have insurmountable price tags and mortgages can be difficult to acquire even when you know how to navigate the application process.

What happens when you don’t know how to make a mortgage application in the first place?

Prospective home owners often ask themselves:

• How will I get through this arduous application process?
• Will I be successful in getting my mortgage approved?
• Will a rejection reflect badly on my next application?
• Will I get enough approved to buy a suitable property?
• How long will the application process take?

Our Mortgage Masterclass answers these and other questions. It also addresses your broader financial journey as we explore financial planning, budgeting and cash flow planning for longer term financial objectives.

How the Mortgage Masterclass works is simple:

• We review how much of a mortgage you will qualify for on application.
• We will also look forward to when you have a mortgage and my top tips to prepare for this eventuality. Together, we will demystify the mortgage application process and what happens after acceptance. When
  dealing with money, there is also nothing more harrowing than the thought of unforeseen expenses.
• We will look at a capital budget for you; what are your initial costs and so forth.
• We will also create a regular budget for you, which will look at your mortgage repayments, how you will manage them and cover your interest, and put these through a series of stress tests, planning for best- and
  worst-case scenarios.
• There is no cost to you and you book your first session online with us through our Contact page.

At the end, you will understand:

1. How much you can qualify for

2. How to prepare for an Irish mortgage – and what you should gather all your up-to-date documents now

3. Bank interest rates and bank offers

4. If the Help to But Scheme could work for you

Mortgage Masterclass: meet online when it suits you

Meetings are online and individual. Don’t worry about travel time, traffic, parking, babysitters or how much time to take off from work. We meet when it is suitable for you, whether that be during your lunch break or later in the evening.

Understand your choices: Working one-on-one we help you understand the type and amount of a mortgage you qualify for. We give tips to preparing for your application, including process time lines and budgeting.

What happens next?

Ready to apply? One application to us can be multiple mortgage applications. We work with major lenders so we can save you time and hassle.

We’ve got your back. You have direct access to our mortgage adviser – in person, by phone, by email and messaging service – to answer your queries at every step. We work hard to achieve successful outcomes for all our mortgage clients. 100% of our mortgage clients come from existing client recommendations – which shows us we are doing the right things right!

Pick a time that suits you. You can see the available slots on our Contact page.

Mastering the Irish mortgage process

If you are starting out on your mortgage journey and need some help, we’ve got you. Book in a free and confidential call today.

We have over 20 years’ experience advising mortgage clients so we can assess applications quickly and achieve a higher mortgage approval rate. We work with:

• First time buyers
• Self-employed and business owners
• Top ups / Switchers
• Moving home
• Buy to let mortgages

We take the hassle out of the mortgage process so you can focus on finding the perfect property.