JC Mortgage Brokers

Mortgages, Insurance & Pensions

Professional and Reliable Services for Mortgages, Insurance & Pensions

Mortgage Services

Let us help you choose the right mortgage for your budget and lifestyle now and into the future.

Insurance for Homeowners

A range of insurance products specifically for homeowners. Protect what matters most.

Pensions & Retirement

Our financial advisors will analyse your current portfolio to determine what pension will work best.

Expert Advice

Podcasts, videos and guides covering mortgages, insurance for homeowners and pensions.

Meet the Team

JC Mortgages team of mortgage brokers and financial advisors, here to support you.

About

Your 5-star rated mortgage brokers in Dublin, servicing Ireland

JC Mortgages is an expert mortgage brokerage led by John Coleman with over 20 years of experience in the Irish property and financial market. We are based in Dublin, serving clients across Ireland. Services include mortgage broking, home insurance and pension planning.

“One-Roof” Methodology: We manage your mortgage application, home insurance, pension planning and solicitor access entirely online.

Our Happy Clients!

      
 Excellent5.0296 reviews
 5.0
 Excellent296 reviews
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      Posted on Google  
   
   Emmanuel Oboyo 
 29 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
It was a lovely experience with JC Mortgages we got all the help needed for our Mortgage loan super fast. A very big thank you John Coleman and all the entire staff.
  
 
     Posted on Google  
   
   Mihai Calara 
 38 days ago
 
 
 Trustindex verifies that the original source of the review is Google. ★★★★★ We recently completed the purchase of our new home, and I want to say a huge thank you to Kevin at JC Mortgages for all his help throughout the mortgage process. From the very beginning, Kevin was extremely helpful, professional and patient. He guided us through what can be a very complicated process, explained everything clearly and was always available when we needed advice or had questions. What really stood out was how involved and proactive he was throughout the whole process. He kept things moving, helped us understand what was needed at each stage and made the whole mortgage side of buying a house much less stressful. We’re now in our new home with the keys in our hands, and Kevin played a big part in helping us get there. I would highly recommend Kevin and JC Mortgages to anyone looking for a mortgage broker. Excellent service from start to finish. Thank you!
  
 
     Posted on Google  
   
   Copi Lmc 
 40 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Amazing team with high qualified professionals! It was a long journey but John’s team never left us alone. I highly recommend JC Mortgage Brokers!
  
 
     Posted on Google  
   
   Prince Nhidza 
 49 days ago
 
 
 Trustindex verifies that the original source of the review is Google. From our very first call with John, we knew we were in safe hands. As first-time buyers, the whole process felt overwhelming at first, but John took the time to understand our situation and created a clear roadmap that made everything feel achievable. He also made us aware of all the schemes and supports available to first-time buyers purchasing a property in County Louth, explaining every option in detail so we could make informed decisions. What initially seemed like a complicated process quickly became manageable, and our home-buying journey was smooth from start to finish. The team at JC Mortgages went above and beyond every step of the way. They kept us informed throughout the entire process, explained every stage in plain English, and ensured we always knew what was happening next. Their advice was honest, thorough, and tailored to our circumstances, which gave us complete confidence throughout the journey. A special thank you to John, Kevin, Michelle, Claudia, and Linda. Each of you played an important part in making our dream of owning a home a reality. Your professionalism, patience, and willingness to help never went unnoticed. No matter what stage we were at, there was always someone available to guide us, answer our questions, and reassure us. The day we finally received the keys to our new home was incredibly special, and JC Mortgages played a huge part in making that dream come true. I cannot recommend JC Mortgages highly enough. Whether you’re just beginning to think about buying a home or you’re already well into the process, this is the team you want by your side. Their expertise, communication, and genuine care for their clients are second to none. Trust their advice, follow their plan, and they’ll do everything they can to help you achieve your goal. Thank you to the entire JC Mortgages team for making what could have been a stressful experience such an enjoyable, exciting, and memorable journey. We will always be grateful for everything you did for us. Prince and Fadzai
  
 
     Posted on Google  
   
   Rency Alex 
 51 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Huge thanks to Mr John Coleman for apt guidance and support in our journey in buying home. Always felt very comfortable in discussing any questions, approachable, available and accountable in his role. Highly recommends JC team who have deep and outstanding knowledge about what they do. Also mentioning Mr Jijo for his supporting approach and advices. Will always go back to JC mortgages for any of my future mortgage or related needs, because We felt like a family supporting us more than an office. Thanks a million.
  
 
     Posted on Google  
   
   Igor Tavares 
 51 days ago
 
 
 Trustindex verifies that the original source of the review is Google. As a second-time buyer, I really appreciated the excellent support and guidance throughout the process. Communication was clear, professional, and prompt from start to finish, making everything as smooth and stress-free as possible. I wouldn’t hesitate to recommend their services to anyone looking for a knowledgeable and reliable mortgage adviser.
  
 
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   Adam 
 52 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Mick Mcketnan 
 61 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service, very efficient team, whole led us down a stressful journey with ease making us feel that everything was in hand every step of the way and it was. Would definitely return to JC mortgages when looking to renew. Thanks for everything guys you were brilliant
  
 
     Posted on Google  
   
   Claudine Parado 
 66 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We are absolutely thrilled—we got the keys to our new home 🙏🏻 Kevin, thank you for being the calm voice we needed throughout the whole process.You did the heavy lifting and honestly, you really took the vendor and estate agent pressure off our shoulders, and that made a huge difference for us. We especially appreciate that you were always there for us, day or night. John, a massive thank you to you for being there since January to guide us in getting our dream house. We also really appreciate how you were always ready to answer our queries—the best part is that you often knew our questions before we even asked! It was such a huge relief to have you handle everything for us, and it made a very stressful process feel so much easier. We feel very lucky that we had you guys on our side for this. Thank you and we highly recommend you guys! 😊
  
 
     Posted on Google  
   
   Dary Daniel Varghese 
 90 days ago
 
 
 Trustindex verifies that the original source of the review is Google. What started as a random enquiry about the possibility of buying a second home ended with us purchasing the perfect house! From the very beginning, John and his team were absolutely outstanding. The entire process was incredibly well organised, transparent, and professionally managed. What initially seemed to me like a very complicated and potentially stressful journey was made remarkably simple and straightforward. Their expertise, communication, and attention to detail ensured everything progressed smoothly from start to finish. Every question was answered promptly, and every step was clearly explained, giving us complete confidence throughout the process. A very special mention must go to Kevin, who was exceptional throughout. His professionalism, knowledge, patience, and willingness to go above and beyond made a huge difference to our experience. Kevin was always available to offer guidance and reassurance, and his support was invaluable from beginning to end. I would also like to thank Michelle, Linda, and Claudia, whose dedication, support, and professionalism contributed greatly to making the process so seamless. The teamwork and commitment to excellent customer service shown by everyone involved were truly outstanding. Buying a home is one of the biggest decisions you'll make, and I couldn't have asked for a better team to guide us through it. I cannot thank them enough and would highly recommend John and his team to anyone looking to buy or sell a property.

Your Broker for Mortgages, Protection, and Pensions

Sorting out your finances shouldn’t feel like learning a second language. At JC Mortgages, we act as your financial broker, taking the stress, jargon, and guesswork out of getting a home loan, setting up insurance, and planning your retirement. Unlike a traditional bank that can only sell you its own limited products, we analyse our extensive panel of leading lenders to find the right option for you. We compare top lenders and providers to secure the best rates and policies, making sure your money is working as hard as possible for your future.

Mortgages: Finding the Right Home Loan for You

As a mortgage broker in Ireland, we know that securing mortgage approval is only half the battle. The real value of a good mortgage broker is knowing every option available to stretch your budget further. Mortgage lenders assess affordability differently and apply their own eligibility and underwriting criteria. We help you understand the mortgage options, supports and schemes that may be relevant to your circumstances.

With over 20 years in the Irish property and financial market, we compare our panel of banks and mortgage lenders to find you an interest rate to suit your financial needs, help you borrow as much as you’re entitled to under Central Bank of Ireland lending rules, and partner with you all the way through to approval.

Whether it’s unlocking a government scheme refund or making sure your real income is counted properly, we dig into the details that make the difference between simply getting mortgage approval and getting a home loan that actually works for you.

Mortgages tailored to your situation

First-Time Buyer Mortgages: Buying your first home is a massive milestone, but trying to go it alone can, at times, feel incredibly overwhelming. We help you understand the Irish market lending criteria, know your deposit requirements and easily maximize your true borrowing limits. More on First-Time Buyers
Mortgage Switching & Refinancing: Thinking about switching your mortgage to cut down your monthly payments? If you’re stuck on a high standard variable rate, we help you compare and switch to a lower fixed interest rate, making sure your money works as hard as possible for your future. More on Mortgage Refinancing
Second-Time Buyers (Home movers): Upgrading to a bigger family home or relocating shouldn’t mean double the stress. We take care of the heavy lifting, keeping your budget and transition timeline synchronised so you can focus on the move. More on Second-Time Buyers

Schemes and Strategies to Strengthen Your Mortgage Application

The Help to Buy (HTB) Incentive: We help you understand the tax refund of up to €30,000 to jumpstart your deposit balance on a new-build property. More on Help to Buy Scheme
The First Home Scheme (FHS): If there’s a gap between your deposit, your standard bank approval cap, and the cost of the property, we help you understand the shared equity bridge to cross the finish line. More on First Home Scheme
Central Bank of Ireland Lending Exceptions: Don’t assume you are strictly locked into standard rules. We know how different banks and lenders allocate their exemptions and can position your application to borrow more than the standard income limit allows. More on Mortgage maximum borrowing limits

Protection Insurance: Keeping Your Home and Family Safe

Getting your keys is an amazing feeling, but making sure you can actually keep your home if life throws a curveball is just as important. In Ireland, mortgage protection insurance is required by law when you buy a home. This means your lender legally cannot hand over your mortgage money until you have a policy ready to pay off the remaining debt if you pass away.

The big broker advantage here is savings and choice. When you get a mortgage, banks will try very hard to sell you their own in-house insurance policies, which are often expensive and rigid. At JC Mortgages, we look at all the top insurance providers in Ireland to find the exact same level of legal cover for a much better price.

Protection	Description
Mortgage Protection	The legally required policy that pays off the rest of your home loan if you pass away, ensuring your family keeps the house debt-free.
Life Insurance	A policy that pays out a fixed cash lump sum directly to your family. This money can be used for anything—replacing your salary, covering daily bills, or paying for school and college fees.
Income Protection	Your ability to earn an income is your biggest financial asset. If an illness or injury leaves you unable to work, income protection steps in to pay up to 75% of your regular salary until you recover.
Critical Illness Cover	This pays out a tax-free cash lump sum if you are diagnosed with a specific serious illness (like cancer or a stroke), giving you financial breathing room to focus entirely on getting better.
Bill Pay Cover	Cover that pays your mortgage and household bills for a set period if you're unable to work due to illness or injury.

Pensions: Easy Planning for a Comfortable Retirement

A great financial plan doesn’t stop once your mortgage is sorted. Smart pensions planning in Ireland is simply the best way to grow your long-term wealth while giving yourself a massive break on your taxes today. Every time you put money into a pension, the Irish government gives you tax relief based on your income tax bracket, meaning a significant amount of the tax you’d otherwise pay goes into your savings instead.

If you go straight to a single bank or pension provider, you are stuck with their limited investment funds, whether they perform well or not. By using a broker, we can pick and choose the best-performing funds from different managers across the market, tailoring a plan that fits your age, goals, and how comfortable you are with investing.

Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.

Warning: If you do not keep up your repayments, you may lose your home.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Warning: The payment rates may be adjusted by the lender from time to time, (applies to variable rate loans only).

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: This new credit may take longer to pay off than your previous credit. This means you may pay more than if you paid off your credit over a shorter term.