About JC Mortgages
Your independent, 5-star rated mortgage, insurance and pension advisors in Dublin for throughout Ireland
20+ Years Experience
Within the property and financial services industry in Ireland. Allowing us to offer expert services you can rely on.
Professional Services
Not just a mortgage broker we can secure your home loan, selection of insurance for property owners and your pension.
5-star rated Google Reviews
The JC Mortgages team aim to provide a friendly, professional while being jargon free service that our clients highly rate.
JC Mortgage Brokers: Led by John Coleman
JC Mortgages is an expert mortgage brokerage led by John Coleman with over 20 years of experience in the Irish property and financial market. Services include securing home loans, insurance for homeowners and pensions. Based in Dublin and serving clients nationwide, we simplify home ownership for first-time buyers, second-time buyers and those refinancing by combining deep human expertise with a 100% online, “one-roof” digital process.
Within the property and financial services industry in Ireland. Allowing us to offer expert services you can rely on.
Not just a mortgage broker we can secure your home loan, selection of insurance for property owners and pension.
Pensions
The JC Mortgages team aim to provide a friendly, professional while being jargon free service that our clients highly rate.
Our Mission: Removing Stress from your Mortgage Journey and Financial Planning
John Coleman, Managing Director and Mortgage Broker, founded JC Mortgages with a single goal: to provide the expert guidance needed to navigate Ireland’s complicated lending landscape. With 20+ years of industry experience, John Coleman and his team act as your dedicated specialists from initial inquiry until the day you receive your keys with follow-up services for homeowners insurance and retirement advice.
Why choose JC Mortgages?
- 20+ Years of Expertise: Led by John Coleman (QFA), we offer over two decades of hands-on involvement in the Irish mortgage sector.
- “One-Roof” Methodology: We manage your mortgage lender application, homeowners insurance, pension and solicitor access entirely online for maximum speed and efficiency.
- Independent Analysis: We compare major Irish lenders, protection providers and pension suppliers to secure the most competitive interest rates and borrowing limits for your specific profile.
- Trusted Reputation: We are proud to be 5-star rated with near 300 Google reviews from satisfied property owners across Ireland
Meet the team
John Coleman
Managing Director and Mortgage Broker. Leading JC Mortgages expert team of brokers and financial advisor
David McCarthy
Financial advisor and Mortgage Broker with a background in branch banking and holistic financial planning.
Deborah Lennon
Specialist mortgage broker with 6+ years of experience. For first-time buyers, self-employed and contractors.
Deeksha Arora
Specialist Mortgage Broker supporting Indian citizens in Ireland secure their home loan. Amongst others.
2026 Irish Mortgage Market Insights: Helping You Navigate Today's Economy
In the 2026 mortgage landscape, precision is everything. We provide proprietary market analysis, as featured on our popular Tea & Mortgage Podcast, to help you stay ahead of economic shifts.
Navigating the “Affordability Equation” in 2026
- Interest Rates: The European Central Bank (ECB) interest rates due to global events may increase in 2026, current rate is 2% with possible inclines to 3% by end of year. This may influence Irish mortgage interest rates.
- Inventory Trends: With Dublin inventory remaining tight at approximately 3,800 listings and nationwide just 13,000 properties listed for sale, preparation (Approval in Principle) is the key differentiator for successful bidders.
- Regional Upside: With the MetroLink Dublin set to go live in mid-2030, we are currently monitoring infrastructure-led growth in areas like Swords, Ballymun, and Drumcondra.
Property Government Support & Scheme Stacking
We specialise in “Scheme Stacking” the strategic combination of government supports to bridge the affordability gap.
- Help to Buy (HTB) Scheme: Extended to December 31, 2029, offering up to €30,000 for new builds.
- First Home Scheme (FHS): Shared equity stakes of up to 30% for qualifying new homes.
- Vacant Property Refurbishment Grant: Grants up to €70,000 for those revitalising derelict urban stock.
Homeowners Insurance: The Importance of Protecting Your Property Investment
Your home is likely your most significant financial asset. In the 2026 Irish economy, where property inventory remains tight and rebuild costs are rising due to inflation, adequate insurance is the only way to prevent a physical disaster from becoming a total financial loss. Insurance for homeowners ensures that your “Affordability Equation” remains balanced, protecting your equity and your family’s future.
Regulatory Commitment and Trust
John Coleman, trading as JC Mortgages, is regulated by the Central Bank of Ireland.
The JC Mortgage business is strictly subject to the Consumer Protection Code and Minimum Competency Codes. We act in the best interest of our clients at all times, providing a fair and personal analysis of the market to ensure your mortgage product is perfectly suited to your financial circumstances.
Company Registration Details:
- Registered Office: 24 Millrace Rd, Phoenix Park, Racecourse, Dublin 15.
- Phone: 01-8102032
- Email: info@jcmortgages.ie
Mortgage Services
Smart home loans for every stage of life , 20+ years in the mortgage industry.
Insurance Services
The right insurance as a homeowner is more than just meeting a bank’s terms.
Expert Advice
Expert insights and tips for mortgages, insurance and pensions.
Meet the Team
Expert mortgage brokers and financial advisors – overall 5-star review rating.