Professional and Reliable Service for mortgages, insurance & pensions
Mortgage Services
Let us help you choose the right mortgage for your budget and lifestyle now and into the future.
Homeowners Insurance
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 independent, 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. Based in Dublin and serving clients in Ireland. Services include mortgage broker, insurance for homeowners and pensions for retirement.
“One-Roof” Methodology: We manage your mortgage application, homeowners insurance, pensions for retirement and solicitor access entirely online for maximum speed and efficiency.
Our Happy Clients!
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 independent 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 shop around the entire Irish market 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
Getting a mortgage is a huge milestone, but trying to do it all on your own can feel incredibly overwhelming. When you look at an independent mortgage broker vs bank options, the difference is simple: a high street bank can only offer you their own loans, even if another bank down the road has a much better deal. As an independent mortgage broker, we scan the whole Irish market to find the best interest rates and terms for your specific situation.
Whether you want to apply for a mortgage online in Ireland as a first-time buyer, move into a bigger family home, or switch a mortgage in Ireland to cut down your monthly payments, we handle the heavy lifting. We cut through the bank jargon, take care of the paperwork, and pitch your application to the right mortgage lender to give you the absolute best chance of a quick approval.
Approval in Principle
Step 1:
Aslo know as AIP; Finding out exactly how much a bank will lend you before you start house hunting.
Shopping Around
Step 2:
Comparing all major lenders to secure the lowest rates instead of just accepting one bank’s offer.
House Valuation
Step 3:
Arranging the property check that lenders require before they release the money
Loan drawdown
Step 4:
Getting the paperwork sorted with your solicitor so the funds land on time and you get your keys.
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. Because JC Mortgages is independent, 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 | Getting the paperwork sorted with your solicitor so the funds land on time and you get your keys. |
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 big chunk of money that would have gone to the taxman 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 an independent 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.
