Google Reviews
Partnered With All Irelands Mortgage Lenders
Why Use a Mortgage Broker
Get the best repayment terms as we're not tied to any single mortgage lender
Working with multiple Irish lenders to find the most competitive rates and flexible repayment options, tailored to suit your needs.
With
- Wide Range of ProductsHome loans & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsMortgage rates & options not available direct from retail lenders
- Expert Market KnowledgeEvery mortgage rate from all Irish lenders
vs
Traditional Mortgage Lender
- Limited product range
- Generic financial advice
- Very limited loan solutions
- Inflexible appointment times
- Default bias to their products only
- Frequent 'Computer-Sayes-No' attitude
- No guarantee your getting the lowest rate
- Single insurance option for mortgage protection
- Averse to handling previous credit issues
- Restrictive equity release & debt consolidation
"Paul was recommended to us by a friend of mine and I am so happy we went with Top Mortgages, He made our mortgage application and journey so easy."
Frequently Asked Questions
Questions about mortgage brokers you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
What does a mortgage broker do in Ireland?
A mortgage broker helps you find and apply for the best mortgage deals by comparing options from multiple lenders. They guide you through the process and provide expert advice tailored to your financial situation.
Do I need to pay a mortgage broker in Ireland?
Most mortgage brokers in Ireland are paid by the lenders they work with, so their services are often free to you. However, some brokers may charge a fee, so it’s important to confirm this upfront.
Can a mortgage broker get me a better deal than my bank?
Yes, mortgage brokers have access to a range of lenders and exclusive deals that may not be available directly from your bank, increasing your chances of finding a better rate.
Is it faster to use a mortgage broker in Ireland?
A mortgage broker can streamline the process by handling paperwork, liaising with lenders, and keeping the process on track, which can save you time compared to applying independently.
Are mortgage brokers regulated in Ireland?
Yes, mortgage brokers in Ireland are regulated by the Central Bank of Ireland, ensuring they adhere to strict professional and ethical standards.
What mortgage amount can I borrow?
Typically up to 4 times your annual income, with first-time buyers able to borrow up to 90% of property value.
What documents do I need?
Proof of identity, address, income, employment details, bank statements, and savings history.
How long does mortgage approval take?
Usually 2-6 weeks, depending on individual circumstances.
What extra costs should I budget for?
Valuation fees, legal fees, stamp duty, home insurance, and life insurance.
Can I switch my mortgage in Ireland?
Yes, potentially saving money through lower interest rates, but consider associated switching costs.
Guides
Stay in the know with our mortgage guides
Empower yourself with the knowledge to make smart financial decisions. Our home loan guides are designed to educate and give you the confidence to navigate the mortgage process like a pro.
What our customers say about us
Feena Flanagan
20/02/2025
We recently moved our mortgage and topped up for some home improvements. We had dealt with Paul many years ago, so once I found out he was now with Top Mortgages I went straight back....
Justina Barceviciute
08/01/2025
Paul Quinlan has been nothing but amazing through our whole experience. I could not recommend Paul and his team enough. Paul was so efficient and so quick at getting back with any queries that we....
Eoin Skelly
09/12/2024
We can’t get thank Conor enough for helping us with our mortgage - always went above and beyond for us and made the whole process as smooth as possible!
Aisling Coffey
07/12/2024
Paul and Liz have gone above and beyond this year to secure our mortgage switch which was 'the longest in history' ! We are so grateful for Paul's perseverance and couldn't recommend Top Mortgages enough....
Richard Flynn
04/12/2024
Top mortgages was recommended to us by a friend. We had a great experience working with Paul. He went above and beyond to get us the best rate and kept us updated at every point.....
Verna Wall
28/11/2024
Paul from Top Mortgages was recommended to us from a friend and he truly made the entire mortgage process stress free. He was very communicative and responsive to our questions throughout the entire journey. We....
