Mortgage Services

Smart mortgage planning for every stage of life

Mortgages

JC Mortgage Brokers
For over 20 years John Coleman and his team of expert mortgage advisors have been securing mortgages across the island of Ireland. From initial query to getting the keys to your new property your mortgage broker will be with you each step of the way.

The mortgage to suit you
Choosing the right mortgage is just as important as finding the right house. The product you select dictates your monthly budget and your flexibility for years to come. At JC Mortgages, we help you weigh the pros and cons of the following options:

First Time Buyers

For First Time Buyers (FTB) We can advise on interest rates, challenges, opportunities and current trends to the property market in Ireland and securing your mortgage for First-time Buyers

More on First Time Buyers

Second Time Buyers

Buying a home for the second time is an exciting yet complex step in the property journey for many Irish homeowners. Second time buyers often have the added considerations of managing equity.

More on Second Time Buyers

Remortgaging

Remortgaging is simply the process of moving your mortgage from one lender to another. This could save you thousands of Euro every single year, more for leisurely activities.

More on Refinancing / Remortgaging

Bridging Loans

Also known as “gap financing”, is a short-term loan that helps you buy a new property before you have sold your current one. Providing the cash you need immediately until your sale goes through.

More on Bridging Loans

Tracker Mortgages

Trackers are no longer available to new borrowers, but the Avant Flex offers a modern alternative. Review the features of both to help you decide if this new “tracker-style” option is the right move for you.

More on Tracker Mortgages

Mortgage Comparison

As your mortgage broker we will work on a mortgage comparison with the major banks & mortgage lenders nationwide to get you approved for the best mortgage amount & interest rates.

Compare Mortgages

Irish Citizens

We provide advice on Irish interest rates and work with you to understand the types of mortgages available to find the best mortgage suitable to you.

Mortgages for Irish Citizens

For Americans

Securing a mortgage from an Irish bank as a US national depends on successfully demonstrating stability in four critical areas

Mortgages for US Citizens

For Brazilians

For Brazilian nationals, securing an Irish mortgage hinges on proving stability and longevity within the Irish system. We break it all down.

Mortgages for Brazilian Citizens

For Indians

Homeownership for Indian citizens living in Ireland, while very achievable, involves a unique set of challenges. We can help find you right mortgage.

Mortgages for Indian Citizens

How to get a mortgage?

This is your complete guide to getting a mortgage, whether you are stepping onto the property ladder for the first time, trading up to a family home, or relocating from abroad, the mortgage landscape is defined by specific regulatory frameworks and opportunities. At JC Mortgage Brokers, we specialise in navigating these complexities, from Central Bank income multiples to cross-border credit checks, to secure your funding.

Types of Mortgages – Go To:

First Time Buyers	Mortgages for Irish Citizens
Second Time Buyers	Mortgages for American Citizens
Refinancing / Remortgaging	Mortgages for Brazilian Citizens
Bridging Loans	Mortgages for Indian Citizens
Tracker Mortgages	Mortgages FAQs

"As we head into 2026, the mortgage conversation has shifted from simple 'approval' to long-term stability. The era of the old tracker is gone, but we are seeing a new wave of transparency with Euribor-linked products that give borrowers control without the volatility. 2026 goal isn't just getting you the keys; it's ensuring your mortgage remains sustainable for the next decade."

John Coleman Mortgage Broker

First Time Buyer

The First-Time Buyer segment is the most supported category in the Irish market, designed to help new entrants bridge the affordability gap.

Strict Definition: You must have never purchased or built a property in Ireland or anywhere else in the world. Joint applications with a partner who has owned property previously will default to “Second-Time Buyer” status.
Deposit: A minimum of 10% deposit of the property purchase price is required.
Borrowing Limit: FTBs can borrow up to 4 times their gross annual income.
Government Support: FTBs buying new builds may be eligible for the Help to Buy (HTB) scheme and the First Home Scheme, which are critical for bridging deposit gaps.

More on: Mortgages for First Time Buyers

Second Time Buyer

Moving home involves managing a “chain”, selling your current asset to fund the next. Recent rule changes have made this easier for traders.

Deposit: The requirement has been reduced to 10% (previously 20%), aligning with FTBs.
Borrowing Limit: Capped at 3.5 times gross annual income.
Equity Usage: Most movers use “Equity” (Current Value minus Outstanding Mortgage) as their deposit.
Porting: Some lenders allow you to “port” your existing fixed rate to the new property, protecting you from higher current market rates.

More on: Mortgages for Second Time Buyers

Remortgaging / Refinancing

Refinancing is a strategic financial move used to reduce costs or unlock capital. It typically serves three purposes:

1. The Rate Switcher: Moving from a high variable rate (e.g., 4.5%) to a lower fixed rate (e.g., 3.5%) to reduce monthly bills. Many lenders offer Cashback (up to 3%) to cover legal fees.
2. The Equity Releaser: “Topping up” the mortgage to release tax-free cash for home improvements, such as Green Energy retrofitting.
3. The Debt Consolidator: Rolling high-interest short-term debt (car loans, credit cards) into a lower-interest mortgage facility to improve monthly cash flow.

Bridging loans

Bridging finance is a short-term “gap financing” tool, essential when property purchase and sale dates do not align.

1. - Trading Down: Allows you to buy your new, smaller home before selling your old one, removing the need for temporary rental accommodation.
  - Renovation and Auctions: Provides rapid capital for auction purchases (28-day completion) or buying uninhabitable properties to renovate.
  - Key Terms:
  - Max LTV (Loan-to-Value): 70% of market value.
  - Interest: Can be rolled up (paid at the end) or serviced monthly.
  - Exit Strategy: The loan is repaid via the sale of the original asset or refinancing.

Interest rates: Tracker vs. managed Variable

The era of the Tracker Mortgage (linked directly to the ECB i.e. European Central Bank rate) has ended for new customers. The modern alternative is the Avant Flex Mortgage.

Avant Flex: Linked to the 12-month Euribor rate rather than the ECB main rate. It resets annually, smoothing out monthly volatility.
Fixed Rates: Offer certainty but often come with “breakage fees” if you switch early.
Variable Rates: Offer flexibility for overpayments but expose borrowers to rate hikes.

Mortgage comparison table:

See how the different mortgage types in Ireland compare at a glance.

Mortgage Type	Target Audience	Deposit / LTV Limit	Income Multiple	Key Features / Status
First-Time Buyer	New Market Entrants	10% Deposit (90% LTV)	4.0 x Gross Income	Eligible for Help-to-Buy and First Home Scheme
Second-Time Buyer	Home Movers	10T Deposit (90% LTV)	3.5 x Gross Income	Uses home equity for deposit; Can often "port" fixed rates
Remortgaging	Switchers / Investors	Equity Based (Max 90% LTV)	Based on Affordability	Cashback offers (up to 3%); Equity release for renovations
Bridging Loan	Chain Breakers / Investors	Max 70% LTV	Min €40k Income / Asset Backed	Short-term (12 - 18 months); No exit penalties; Fast approval
Avant Flex Mortgage (new Tracker)	Customer prefers rate transparency	80% of less LTV	Max loans 3.5 times gross annual salary or 4 time FTB	Tracker Mortgage alternative, offering Irelan's lowest variable rate mortgage

Mortgages for Irish citizens

Deposit: First Time Buyer 10%, Second Time / Subsequent Buyer 10% and Buy-To-Let (Investment) 30%.
Rent: Making sure your rent is not paid by cash and it is the same amount comes out of your bank account every month.
Mortgage Schemes: the Help to Buy (HTB) up to €30,0000 (or 10% of property value) and The First Home Scheme (equity share) are available on new builds.

Mortgages for US citizens

Visa: Stamp 4 is the “gold standard.” Stamp 1 (Critical Skills) is widely accepted but may require a higher deposit.
Deposit: US citizens should prepare for a 10% deposit requirement to offset risk.
Credit: Irish banks cannot see your FICO score. You must provide a full Credit Report from Experian, Equifax, or TransUnion.
Tax: Be aware of FATCA compliance; US income paid to US accounts is generally not accepted for Irish repayment capacity.

Mortgages for Brazilian citizens

Visa Reality: Time spent on Stamp 2 (Student Visa) does not count toward mortgage eligibility. You generally need to be on Stamp 1 or Stamp 4.
Source of Funds: Deposits transferred from Brazil must be documented with Remittance Receipts (e.g., Wise, Bank Transfer) to satisfy Anti-Money Laundering rules.
Credit: Lenders cannot check Serasa or Boa Vista. You must build an Irish credit footprint Central Credit Register (CCR).

Mortgages for Indian citizens

Critical Skills (CSEP): Stamp 1 CSEP is highly regarded, and a 10% deposit is often expected.
Credit Check: You must retrieve your full credit report from CIBIL (TransUnion), Experian, or CRIF High Mark.
Gift Letters: If the deposit is gifted by parents in India, a formal “Gift Letter” confirming the funds are non-repayable is mandatory, along with proof of transfer.

Comparison: Non-EU Nationals and Irish Mortgage

Feature	USA Applicants	Brazilian Applicants	Indian Applicants
Foreign Credit Report	Experian / Equifax / TransUnion (Full Report Required)	Serasa / Boa Vista (Cannot be used; must build Irish credit)	CIBIL / Experian India (Full Report + PAN Card)
Deposit Strategy	10% Recommended	10% Recommended	10% Recommended
Visa Requirement	Stamp 4 / Stamp 1 (Critical Skills)	Stamp 4 / Stamp 1 (Stamp 2 not eligible)	Stamp 4 / Stamp 1 (Critical Skills)
Key Documentation	6 months US Bank Statements; FATCA Compliance	Remittance Receipts (Wise/Bank) for all transfers from Brazil	Gift Letter (Non-repayable) and Proof of Transfer

Mortgage - FAQs

Can I get a mortgage in Ireland if I am currently on a Stamp 1G visa?

Generally, no. Most lenders view Stamp 1G (Graduate) as too temporary. You typically need to progress to a Stamp 1 (Work Permit) or Stamp 4 before being eligible. However, Stamp 1G (Spousal) may be accepted on a joint application if the main earner has a Stamp 4 or Critical Skills permit.

What is the difference between refinancing and remortgaging?

In Ireland, these terms are used interchangeably. They both refer to the process of switching your existing mortgage debt to a new lender to secure a better interest rate, release equity, or consolidate debt.

Do I need a credit check from my home country if I live in Ireland?

Yes. If you have not been resident in Ireland for at least 5 years, lenders will require a full credit report from your home country’s bureau (e.g., Experian in the US, CIBIL in India, Serasa in Brazil) to assess your financial history.

Can I use a bridging loan to buy a house before I sell my own?

Yes, this is the primary purpose of a "Trade Down" bridging loan. It allows you to purchase your new home using the equity in your current home as security, meaning you can move in immediately and sell your old house afterward.

How much deposit do I need as a non-EU citizen?

The statutory minimum for First-Time Buyers is 10%, non-EU nationals (such as American, Brazilian, or Indian citizens) should also have a 10% deposit. There is no differentiator.

Reviews for Mortgage Services by JC Mortgages

       EXCELLENT  
   Based on 301 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Vijay Yadav 
 162 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John Broker and his team provided excellent service throughout the whole home-buying process. They were professional, responsive, and supportive at every stage, making everything smooth and stress-free. They were always responding quickly, keeping me updated, and had a very organised way of managing everything — I especially liked the use of Monday.com 😊, which made the process clear and easy to track. John took the time to explain things clearly and was always available to help with questions. I really appreciate the dedication and guidance from John and his team, and I would highly recommend them to anyone looking for a reliable mortgage broker.
  
 
     Posted on Google  
   
   Lucía Zubillaga 
 187 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Happy to share that we had an amazing experience with our broker Suya and the whole tram at JC Mortgage Brokers. Since the beginning of the whole process our questions were answered, a plan was put into action and they helped us until last minute. Can’t recommend enough
  
 
     Posted on Google  
   
   Ujiro Asagbra 
 195 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience working with my JC mortgage Brokers from start to finish. What can often be a stressful and complicated process was made incredibly smooth and straightforward thanks to their professionalism, knowledge, and clear communication. They took the time to explain every step in a way that was easy to understand, always kept me informed, and were quick to respond to any questions I had. I really appreciated how proactive and detail-oriented they were, ensuring everything stayed on track and there were no surprises along the way. Their support and guidance made a huge difference, and I always felt confident that I was in good hands. I would highly recommend them to anyone looking for a reliable and efficient mortgage broker.
  
 
     Posted on Google  
   
   Seby Palatty 
 212 days ago
 
 
 Trustindex verifies that the original source of the review is Google. JC Mortgages helped make our dream come true. John Coleman and his brilliant team were professional, friendly, and incredibly efficient throughout the whole process. Their communication was always clear and quick, which made everything much easier for us. Thank you so much to John and the entire team — if we could give more than 5 stars, we would!
  
 
     Posted on Google  
   
   LegacY LegacY 
 220 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It seems to me that  JC Mortgages team is what I have been looking for years, in situation I was in, they solved everything very easily to get my long-awaited home 🥳. I will recommend John Coleman to anyone who needs to get their dream home
  
 
     Posted on Google  
   
   Aline Ribeiro 
 236 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had an amazing experience with JC Mortgage from start to finish. A very special thank you to Isabela and Suya, who supported us throughout the entire process with professionalism, patience and clear communication. We truly felt supported at every step. Highly recommended!
  
 
     Posted on Google  
   
   Barry Barnes 
 241 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We were nervous and hesitatent about selecting a broker to help us navigated the irish mortgage minefield However we absolutely selected the right one with jc mortgages,  communication was prompt and answered personally via the portal with phone calls and emails from the team all the way through the process thank you for helping get the keys to our dream house 🏠
  
 
     Posted on Google  
   
   Ricardo Santos 
 275 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  
   
   Alan McGettigan 
 277 days ago
 
 
 Trustindex verifies that the original source of the review is Google. If I could choose 6 stars, I would. John and the Team were absolutely superb through the entire process. From John instilling confidence in us and our situation, through the almost instant communication responses, and the seamless drawdown process, we cannot imagine a better Broker. We are sitting in our dream home at Christmas, in large part thanks to JC Mortgages. Alan & Kimberly.
  
 
     Posted on Google  
   
   ASHA APPUKUTTAN 
 277 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  
   
   Karl Roche 
 278 days ago
 
 
 Trustindex verifies that the original source of the review is Google. John and his team were absolutely fantastic and made the entire process of securing our forever home so much easier than we expected. From start to finish, they guided my us through every step and broke everything down into clear, simple actions using a shared online board. All we had to do was follow the list. The whole team was brilliant to deal with, always prompt in answering questions and very thorough in understanding the more intricate details of our situation, recommending the right actions quickly. Communication was excellent throughout. They also went above and beyond toward the end when we were under a very tight deadline, doing everything possible to help us meet it. We couldn’t have asked for better support and I highly recommend John and his team to anyone going through the mortgage process.
  
 
     Posted on Google  
   
   Leanna Gannon 
 281 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
We started our journey with this company after trying few other brokers, our first conversation with John was full of vital information and a road map on what we need to do to get our dream house. Our journey from that first conversation was made at ease by this company as they walked us though every step, every process, every huddle and gave us solution to every problem. We never felt aline or lost thoughtout our mortgage journey! I would absolutely with no doubt recommend this company to anyone! Amazing team of people and because of this amazing team we now have our keys to our dream home! Thank you so much JC Mortgages!