Roby Raju

Mortgage Broker & Financial Advisor | QFA, EFA

Key Expertise & Experience

20+ years of experience in financial services, in Ireland and internationally

Qualified Financial Advisor (QFA) and European Financial Advisor (EFA)

Personally, oversaw the processing of over €100 million in mortgage funding in a previous role with a major Irish bank

Experience supporting mortgage applicants whose residency or visa status forms part of a lender’s eligibility assessment

Specialist in First-Time Buyer (FTB), Second Time Buyer (SSB) and Switcher applications

Customer-focused mortgage advice across Dublin and Ireland

About Roby Raju

Roby Raju QFA, EFA is a Mortgage Broker and Financial Advisor at JC Mortgages. Based in Cork, Roby draws on a dual-market background spanning Ireland and India to guide clients through the Irish property market. Before joining JC Mortgages, he spent four years working within a major Irish bank, and prior to that held operational roles at leading global institutions in India, including Standard Chartered and ICICI Bank. Today, he works with clients across Cork and beyond, with expertise in supporting First-Time Buyers (FTBs), Second Time Buyers (SSBs), switchers and international buyers navigating the Irish mortgage system.

Helping clients navigate the Irish mortgage market with confidence

From Global Banking to Irish Mortgage Advisory: A Dual-Market Perspective

Roby’s approach to mortgage advice is shaped by 20 years of experience across the Irish and international banking sectors. He spent four years working within a major Irish bank, in that role, he personally oversaw the processing of over €100 million in mortgage funding. Earlier in his career, Roby held operational roles at major global institutions in India, including Standard Chartered and ICICI Bank. This combination of Irish and international banking experience gives him a detailed understanding of cross-border finances, which he now applies to help clients at JC Mortgages, including those relocating to Ireland or managing overseas income.

" My role is to provide clear, structured guidance through every step of your mortgage application, helping you make informed financial decisions.”

Roby Raju

Mortgage Broker & Financial Advisor

Specialist Support for First-Time Buyers, Switchers and International Buyers

Roby specialises in structuring tailored mortgage and insurance advice for First-Time Buyers (FTBs), Second Time Buyers (SSBs) and switchers. He also has expertise supporting international buyers, including guidance on visa-related requirements that can affect a mortgage application. Roby works closely with clients to understand their full financial picture, so that a mortgage decision fits within their broader plans rather than standing alone.

With You Each Step of the Mortgage Journey

Whether a client is a first-time buyer, a second-time buyer, a switcher, or an international buyer navigating the Irish system, Roby acts as a strategic partner throughout the mortgage process. He manages applications in accordance with JC Mortgages’ documented procedures and applicable regulatory and data-protection requirements, giving clients confidence that their case is being handled with both care and precision.

Roby is also known for:

Dual-market banking background: combining experience within a major Irish bank with international experience at institutions including Standard Chartered and ICICI Bank.
Visa and international buyer expertise: supporting mortgage applicants whose residency or visa status forms part of a lender’s eligibility assessment.
A process-driven approach: applying Lean Six Sigma principles to keep applications organised and moving efficiently through underwriting.
Based in Cork: serving clients across Cork and the wider Irish market.

Accreditations

Qualified Financial Adviser (QFA)
European Financial Advisor™ (EFA)
Lean Six Sigma Yellow Belt

Let’s find the right mortgage for you.

JC Mortgages Reviews

    
 
 
      Posted on Google  
   
   Ricardo Santos 
 304 days ago
 
 
 Trustindex verifies that the original source of the review is Google. JC Mortgage Brokers provide a top quality service that I highly recommend.
1 - The Monday.com platform is a delight to use, for documents management and communication with the various elements off the team.
2 - All elements of the team (and we've dealt with a few ...) are highly proficiente and efficient.  I was particularly impressed with the speed off response to all our queries.
3 - Addicionally to all written communiucation, we particularly appreciated the ocasional phone call, for follow-up
4 - Thanks you John, Kevin, Michelle, Linda, Deboragh, Denise (I hope I did not forget anyone) - your support was greatly appreciated.
  
 
     Posted on Google  
   
   ASHA APPUKUTTAN 
 306 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Our mortage journey was so much less stressful with JC Mortgage. For anyone looking to buy new or old homes, we highly recommend JC mortgages .They were so helpful all throughout our journey. We are beyond greatful for the support we got from JC Mortgage Team especially, John Michelle and Kevin who were always there just a phone call or email away!
As someone who wasn't really used to the Irish mortgage system, JC Mortgage made sure to keep their service accessible and easy for everyone. This ensured complete satisfaction to us.
Asha & Manoj
  
 
     Posted on Google  
   
   Jenson Jacob 
 349 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Buying a home is never simple, but JC Mortgages made the journey so much easier. From start to finish, the team was supportive, professional, and genuinely invested in helping me get my dream home. John, Deborah, Linda, Isabela, and Michelle all played their part in guiding me through the process, and I’m truly grateful for their effort.

But I especially want to thank Kevin. When unforeseen issues with the builder delayed my final closure, I was under serious pressure with my rental apartment running out of time. Kevin stepped in right when I needed him most — making sure my funds were released immediately once the paperwork was ready. He didn’t just handle the logistics; he guided me through the entire process, kept me calm, and helped me set realistic expectations with the builder.

Thanks to Kevin and the whole JC Mortgages team, I’m now settled in my new home. Their dedication and care went above and beyond, and I’d recommend them to anyone looking for a mortgage partner who truly has your back.
  
 
     Posted on Google  
   
   Darkhan Kubigenov 
 377 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John and his team helped me to secure a house purchase. They were very responsive to my queries. Kevin went above and beyond during the final stages of the process to ensure that there were no delays. Highly recommend.
  
 
     Posted on Google  
   
   David Walsh 
 381 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Top class service
Recently took out a new mortgage with John and his team and we would highly recommended
Very efficient and professional service throughout and were always available to answer any queries we had
Big shoutout also to the rest of his team Kevin, Linda and Denise who helped us get everything over the line.
  
 
     Posted on Google  
   
   Stephanie Hesnan 
 387 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John & his team helped us get our dream home this year , we had many hurdles along the way but his whole team where always just an email or call away , nothing was a silly question or a problem  & everything explained in detail as it’s a very complicated Process especially as a business owner .

Very grateful to Kevin & Deborah who we had the pleasure to be dealing with
I can’t recommend John Coleman & his Team enough .
  
 
     Posted on Google  
   
   Stephen Scott 
 430 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John was recommended to me by two friends and for good reason.  From beginning to end John and his team, in particular Kevin, were in constant contact. They kept me well informed throughout of all my options and choices. The new build I was purchasing had many delays and they kept in touch throughout it all which kept me at ease. At the end they were able to hurry things up with closing the sale too. I'd recommend them to anyone
  
 
     Posted on Google  
   
   George Faoye 
 489 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John Coleman Brokers are the best mortgage brokers anyone could have asked for. They are the best at what they do. From initiation stage to closing for our house, they walked us through it, handholding us in the process. If you ever want a 100% success rate on getting a mortgage, JC Mortgages are your brokers. The guys were on top of things from the moment we made contact to when we got our house. Gave us all the options and explained the options in detail. Connected us with valuers, solicitors, snaggers and helped us with mortgage protection and home insurance.

John, Kevin, Rebecca, Deborah, Linda and everyone at JC Mortgages. Thanks for being hands on. Exactly how to provide an experienced and professional service. You will be seeing more of us and our friends in the future. Excellent service.
  
 
     Posted on Google  
   
   Paul Byrne 
 507 days ago
 
 
 Trustindex verifies that the original source of the review is Google. What an experience, from start to finish John and his crew where on the ball, dispite a couple of set backs, the JC Mortgage team made sure we could quickly get back on track and we ultimately got our forever home in June

Can’t recommend JC Mortgages, especially Deborah and Kevin enough for there help along this journey
  
 
     Posted on Google  
   
   ines abidi 
 548 days ago
 
 
 Trustindex verifies that the original source of the review is Google. If I could give more than 5 stars, I absolutely would.
John, Kevin and the whole team have been outstanding from start to finish. They were patient, supportive, and went above and beyond to help us secure our home. Throughout the entire process, they kept us informed, answered every question, and always made sure we felt looked after.
Thanks to their dedication and hard work, we are now proud homeowners, and we couldn’t be more grateful. I recommend them to anyone - they are simply the best at what they do. Thank you again for everything!