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.
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
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