Help to Buy Warning and Should you buy now Expert Advice for Irish Homeowners and Buyers Home August 2026 Mortgage & Property Market Update By: John Coleman, Mortgage Broker and QFA Overview: John talks through Revenue’s Help to Buy clawbacks, why house prices are still climbing but slower, and where mortgage lending and ECB rates
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Mortgage Approval Killers: What Lenders See in Your Bank Statements Tea & Mortgage Podcast Home What Do Lenders Really See When They Review Your Bank Statements? Your bank statements in an underwriter’s eyes are a story into financial maturity, management and form a material component in the approval assessment. Your income only tells them what
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Government Housing Schemes and Grants in Ireland: 2026 Update Tea & Mortgage Podcast Home What’s New in Government Housing Schemes for 2026 If you’re trying to make sense of the government housing schemes and grants available to Irish buyers in 2026, you’re not alone, it’s one of the most-asked questions John Coleman of JC Mortgages
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AI in the Irish Mortgage Process: Tech Speed vs. Human Trust Tea & Mortgage Podcast Home AI & the mortgage process Discover how modern Irish mortgage brokers, like ourselves JC Mortgages, leverage AI to eliminate paperwork delays while keeping expert, human relationships at the core of your home-buying journey. With rising prices, changing market conditions,
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ECB Rates Rise Again: What It Means For Your Irish Mortgage in 2026 Expert Advice for Irish Homeowners and Buyers Home June 2026 Mortgage & Property Market Update By: John Coleman, Mortgage Broker https://www.youtube.com/watch?v=CuP8ArAgIW8 ECB Interest Rate Hike 2026: Expert Advice for Irish Homeowners and Buyers With the European Central Bank bumping interest rates up
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Calculator that will give the minimum and maximum mortgage amount you could receive based on your income i.e. gross salary and allowances like your bonus.
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House Hunting Tips Protect your approval, master the bidding process, and stand out to Irish estate agents Home Navigating the 6-month mortgage approval window Now that you’ve been approved by the banks, remember that you have six months to find and purchase a property. During that time as you’re house hunting, be sure to maintain
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Mortgage Approval in Principle (AIP) Your essential first step to buying a home in Ireland Home Key Points: Securing your Mortgage Approval in Principle: Know Your Budget: Confirms exactly how much you can borrow so you can search for homes within your actual price range. Bidding Power: Proves to Irish estate agents and sellers that
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How much do I need for a mortgage deposit? Understand the minimum mortgage deposit rules and hidden closing costs Home Key Points: The 10% Rule: Under Central Bank rules, the minimum mortgage deposit in Ireland is 10% of the property purchase price for both first-time and second-time buyers. The “Real” Cash Target: While the deposit
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Mortgage maximum borrowing limits Learn how much you can borrow for a mortgage and exceptions that apply Home Key Points: First-time buyers can typically borrow up to 4 times their gross annual income, while second-time buyers are generally limited to 3.5 times income. Most buyers need a 10% deposit, but the total property price you
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