Why Your Mortgage Figure May Differ from a Salary Calculator Tea & Mortgage Podcast, Episode 46 Home Podcasts Why Your Mortgage Figure May Differ from a Salary Calculator By: John Coleman, Mortgage Broker and QFA How much mortgage can a bank actually lend you? How much mortgage can you actually get in Ireland? A salary
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First-time buyers in Ireland can borrow up to 4 times their gross income with a minimum 10% deposit. Enter your salary and savings to see the highest price you could buy at, your mortgage and your monthly repayments.
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Separation or divorce takes the ground out from under most people financially, and the idea of qualifying for a mortgage again on your own, from a standing start can feel like a second uphill climb straight after the first. It isn’t. The Central Bank of Ireland built a specific rule for exactly this situation, and it works in your favour – The Fresh Start Principle .
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Lenders ask for a Deed of Gift letter before releasing mortgage funds because, under Irish law, anyone who contributes money toward a property purchase can generally be entitled to a beneficial “equity” interest in it, whether or not that was ever intended.
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Can you get a mortgage in Ireland if you’re self-employed? Tea & Mortgage Podcast – Episode 45 Home By: John Coleman, Mortgage Broker and QFA Self-Employed Mortgages in Ireland: What Lenders Need to See. Yes, you can get a mortgage in Ireland when you are self-employed. The extra work is usually in proving the income a
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ECB Rate Rise: What It Means for Irish Mortgages Expert Advice for Irish Homeowners and Buyers Home September 2026 Mortgage & Property Market Update By: John Coleman, Mortgage Broker and QFA Overview: The European Central Bank raised its three key interest rates by 0.25 percentage points on 10 September 2026. For Irish mortgage borrowers, though,
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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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A mortgage is likely the biggest debt you will ever have. Because it is spread over 25 to 35 years, the interest adds up to a staggering amount, often tens of thousands of Euro on top of the original loan. By paying off your mortgage early, you are essentially “buying back” years of your life from the bank.
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