David McCarthy, QFA

Senior Financial Planner & Mortgage Advisor

Key Expertise & Experience

5 Years in Financial Services

Mortgages, Pensions & Protection

Qualified Financial Advisor (QFA)

About David McCarthy

David is an experienced Mortgage Broker and Financial Planner who helps individuals and families across Ireland navigate the path to homeownership. With a five-year background in branch banking, David provides his clients with an insider’s understanding of the lending process, ensuring that first-time buyers, movers, and business owners have a clear, structured, and successful mortgage journey.

Helping clients make clear financial decisions across every stage

From Branch Banking to Expert Advisory

David spent five years working in branch banking in Ireland. During this time, he worked with a diverse range of clients, including PAYE employees, self-employed, professionals, and business owners. This experience gave him a deep understanding of the different financial priorities people face when trying to secure a loan. However, he also noticed that financial advice was often given in isolation, people were getting mortgages without considering how those loans affected their savings or their plans for the future. This insight led David into Financial Planning, where he now focuses on helping clients look at their finances as a whole before making big commitments.

"Most people don’t need more products; they need clearer thinking. My job is to help clients understand their options and make decisions that actually suit their situation.”

David McCarthy

Senior Financial Planner & Mortgage Advisor

A Structured Approach to Financial Health

David believes that a mortgage is more than just a loan; it is a central part of a person’s financial life. To ensure his clients are fully prepared, he focuses on four core areas: mortgages, assurance (protection), savings, and retirement planning. By looking at these four pillars together, David helps his clients step back and make decisions with a clear structure in place. He is known for providing clear, plain-English explanations that strip away the confusing jargon often found in the banking world. This practical approach ensures that every client feels informed, confident, and in total control of their financial decisions.

Dedicated Support for Irish Homebuyers and Business Owners

Based in Ireland, David works with clients nationwide to turn complex financial situations into successful mortgage approvals. He has a particular expertise in helping business owners and self-employed professionals who may have non-standard income structures that require extra attention during the application process.

As part of the JC Mortgages team, David has access to a wide range of Irish lenders, allowing him to find the most competitive rates and suitable terms for each client’s unique circumstances. His goal is to provide a seamless experience that supports his clients’ immediate housing needs while protecting their long-term financial wellbeing.

Accreditations

Regulated by the Central Bank of Ireland
Qualified Financial Adviser (QFA)

Review for David McCarthy, Senior Financial Planner & Mortgage Advisor

“David was extremely clear and straightforward throughout the process. He explained all of our options in plain English and made sure we got the best solution for our situation. It was a genuine pleasure dealing with him, and I would have no hesitation recommending him to family and friends.”

Rachel

Trustpilot Review

Reviews for JC Mortgages

     
 
 
      Posted on Google  
   
   Ewelina Szczepanska 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I couldn't be happier with the service I received! The whole team was absolutely fantastic and guided me through the entire mortgage process every step of the way.

A special thank you to Jan, who was my main point of contact throughout the entire journey. He was incredibly patient, always took the time to explain everything clearly, and answered every single question I had. His professional approach, both to his clients and to the work he does, is truly outstanding.

The whole experience was made so much easier and less stressful thanks to their support. I always felt I was in safe hands.

I honestly couldn't recommend them highly enough! Thank you so much, Jan, and the entire team, for your amazing help and support throughout this journey!
Thank you
Ewelina
  
 
     Posted on Google  
   
   Keren Or Ofri 
 5 days ago
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking for a mortgage broker who can work miracles, look no further than JC Mortgages. Several other brokers had turned down our case and we were close to giving up, but John was the first to take a chance on us and make our dream of a home a reality.

The entire team is phenomenal. Kevin was an absolute legend managing the day-to-day case, talking us off the ledge on multiple occasions, and walking us through the whole process without losing his patience. Michelle made the endless paperwork stress-free with her super-quick replies and constant availability. And Linda pulled off a minor miracle with our life insurance, even stepping in to sort it remotely while on holiday!

Their professionalism, responsiveness, and genuine sensitivity were invaluable throughout a long, nerve-wracking process. We couldn't have selected a better team to help us buy our house and settle into our home in Ireland. Highly recommended!
  
 
     Posted on Google  
   
   Anurag Sen 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant support & service till the end by the team - particularly Kevin who has been a great help to me through navigating the shocks and tremors of the process (aka FHS!) Think I started with my initial evaluation with John in Apr'26 and got by keys (new built) in Sep'26 - already recommended to my friends & acquaintances - and will do so in general.
  
 
     Posted on Google  
   
   Declan Hennessey 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We are first time buyers who  recently bought our house in Clontarf and we could not recommend John and his team highly enough . They were extremely professional and went above and beyond to make sure we got our mortgage approved . Big shout out to Kevin as well who was very thorough and helped us navigate through the process with ease . They were always available to answer any questions , keep us updated and guide us through the entire process to get the keys. We felt we were in very safe hands and would absolutely recommend them to anyone looking for a mortgage.
  
 
     Posted on Google  
   
   Prachi Hiremath 
 11 days ago
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐ An Exceptional Team Who Helped Make Our Dream Home a Reality

Our experience with JC Mortgages has been truly outstanding. When we were at a point where securing a mortgage felt uncertain and we were beginning to lose hope, the team at JC Mortgages stood by us, guided us through every step, and worked incredibly hard to make our dream of owning a home a reality.

Deeksha Arora was a key person in our mortgage journey. She was exceptionally kind, approachable and patient throughout the entire process. Whenever we had questions or doubts, she took the time to explain everything clearly and make sure we fully understood what was happening. Her responses were always prompt, and she worked tirelessly to keep everything moving forward. Her dedication, professionalism and genuine willingness to help made a huge difference to us.

We will always remember Deeksha as one of the people who played an important role in helping our dream home become a reality. We are truly grateful for everything she did for our family.

A special mention also goes to Kevin McQuaid, the person behind securing not only our mortgage protection but also the insurance that helped us protect our life and our new home. Kevin was extremely professional, thorough and precise. He explained every aspect of the insurance in a very clear and detailed manner, making what can often be a complicated process easy to understand. His attention to detail and commitment gave us great confidence and peace of mind.

JC Mortgages was there for us when we needed someone to hold our hand and help us move forward. Their dedication, communication and genuine commitment went far beyond simply arranging a mortgage.

To Deeksha, Kevin and the entire JC Mortgages team — thank you sincerely for helping turn our dream into reality. We will always remember the support you gave us during such an important chapter of our lives.

I would highly recommend JC Mortgages to anyone looking for professional, trustworthy and genuinely caring mortgage and insurance support. If you ever feel that your dream of owning a home is slipping away, JC Mortgages is the team I would encourage you to speak to. They truly care, they work hard, and they will do everything they can to help you move forward.
  
 
     Posted on Google  
   
   frank mccrory 
 13 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I cant recommend J C mortgage enough trying to get a mortgage can be a difficult experience as so much information is required !! The staff where amazing and very patient every step of the way they guided us through made us feel like we where the most important people in the world ! They got us approved and we are very happy in our forever home now thank you Jonh, Kevin and all the staff wishing you all the best in the future. Thanks again for changing ours.👏🙏❤️
  
 
     Posted on Google  
   
   Divya R 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had a genuinely excellent experience with John, Kevin, and the team at JC Mortgages while buying our first home in Dublin County. From the very beginning, they made what seemed like a complicated mortgage process feel simple and manageable.

As first-time buyers in Ireland, we had very little knowledge of how the process worked, but the team patiently guided us through every stage. Their professionalism, attention to detail, and incredibly quick responses to our questions made a huge difference.

They also went above and beyond when our solicitor’s documents needed to be verified by the bank, helping coordinate everything and ensuring the process continued smoothly.

We truly appreciated the support we received throughout our home-buying journey. It made the experience far less stressful and gave us great confidence along the way.

A sincere thank you to John, Kevin, and the entire team. We would happily recommend JC Mortgages to anyone looking for knowledgeable and reliable support, especially first-time buyers.
  
 
     Posted on Google  
   
   Alisha Bellingham 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. A random conversation about property investment turned into hundreds of euros in savings-  and honestly, I’m so glad I had that conversation.🏡✨

I bought my first home 2.5 years ago, and back then, I had very little knowledge about mortgages, interest rates or how much of a difference the right advice could actually make. During a conversation with John about property, I happened to mention my mortgage interest rate, and he immediately pointed out that it was considerably higher than what I could potentially get. I filled out the roadmap form, and from there, John and his brilliant team did the rest.
Today, not only is my interest rate significantly lower, but my mortgage tenure has also been reduced. That’s a huge difference financially, and something I genuinely didn’t realise was possible when I first bought my home. Buying a home is one of the biggest financial decisions we make, and finding the right people to guide you through it can make all the difference.

The process can be lengthy and overwhelming, but John, Michelle, Kevin, Catherine and Deeksha made everything so transparent, straightforward and far less stressful. Sometimes, one random conversation can genuinely change your financial journey. 🤍

I successfully switched my mortgage, interest rate is now lower, mortgage tenure has been reduced to 10 years, and I’m actually paying less every month than I was paying before.
Thank you JC mortgage team. 🏡💐
  
 
     Posted on Google  
   
   Venkata Ratnam 
 24 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had a really great experience with John Coleman and the whole team at JC Mortgages during our home-buying journey.

Buying a home can be quite stressful, but John and the team made the whole process much easier than we expected. From our first conversation right through to getting the keys, everyone was extremely helpful, responsive and patient. They always took the time to explain things clearly and were there whenever we had a question or needed some reassurance.

There was great collaboration and coordination across the team. A big thank you to Kevin, Linda, Michelle and Deborah, who were fantastic throughout the process. Their knowledge, patience and willingness to go the extra mile really made a difference.

The online portal was another big plus. Uploading documents and keeping track of everything was simple and well organised, which took away a lot of the usual paperwork stress.

One thing that really stood out for me was the guidance from John Coleman at an important point in our journey. We had to make a decision on how to move forward, and John took the time to have a very detailed conversation with me. His advice and encouragement helped us stay positive and ultimately led us to the house we had dreamed of. Sometimes a small suggestion at the right time can make a very big difference.

We’re genuinely very grateful to the whole team for helping us through such an important milestone and making the experience so smooth. When you are making such a significant financial commitment, getting genuine and experienced advice gives you the confidence and clarity to make decisions. Their experience and guidance are truly invaluable.

We would strongly recommend their services. For us, every penny spent on their service was worth it, not only for the expertise but also for the seamless process, support and peace of mind. We couldn’t have asked for better support and would happily recommend John and the JC Mortgages team to anyone looking for mortgage advice.
  
 
     Posted on Google  
   
   Emmanuel Oboyo 
 53 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 
 62 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 
 64 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!