Mortgage Brokers & Advisors Ireland

  • 20+ years experience helping clients across Ireland secure mortgages.
  • Simplifying the mortgage process from start to finish.
  • Dedicated mortgage advisors guiding you every step of the way.
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MortgageLine is rated 5 stars

OUR PARTNERS

Bank of Ireland mortgages
PTSB
ICS Mortgages
Haven Mortgages
NUA
MOCO
Progressive Credit Union
CapitalFlow

Discover Our Process to Securing Your Mortgage

STEP 1

Speak with a mortgage broker for a free consultation

STEP 2

Complete your details with our easy online mortgage application

STEP 3

Upload your mortgage application documents and get a great mortgage

Book a Free Call

Our Services

First Time Buyer?

Do you need professional help and advice from your own dedicated Mortgage Broker? We will be with you every step of the way.

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Moving House?

Looking for a smooth transition from your existing home to your new one? Our professional Mortgage Brokers are here to help.

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Switching/Remortgaging?

Looking for a better and more flexible mortgage with the option of cashback for home improvements?

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Get Advice on Mortgage Rates

How much can you afford?

Our Mortgage Repayment Calculator is for anyone looking to take out a mortgage in Ireland. This mortgage calculator helps you determine what your mortgage repayments are likely to be.

Calculate Your Mortgage Repayment

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5 Star Reviews from happy clients

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  EXCELLENT  
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 Adam Clarke profile picture 
 
 
 Adam Clarke 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We could not recommend Mortgage Line & Michael especially, enough. We were originally recommend by a friend to use Mortgage Line and are now also recommending them!  We did not have a clue how to go about getting started & Michael made the process so easy and straightforward for us which made our mortgage journey 10 times more enjoyable and a lot less stressful. Anybody looking to get started on their mortgage journey I would look no further than mortgage line. The best in the business
  
 
  
 
 
 
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 Hayder Mandalawi profile picture 
 
 
 Hayder Mandalawi 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Thank you to Mortgage Line for all their help with my mortgage. Everything went smoothly and quickly, with excellent communication throughout. They were very responsive, caring and professional. I really appreciate all their support and would highly recommend them!
  
 
  
 
 
 
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 Heather O'Doherty profile picture 
 
 
 Heather O'Doherty 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Michael from Mortgage Line has been a God sent! I thought I would never get a mortgage but he made it seem so simple! Even though I kept throwing him curve balls, he never seemed to worry, nothing seemed like an issue.
Before meeting Michael I never thought I'd have the need for a broker. Now I'm telling all my friends  to get down to Mortgage Line!
  
 
  
 
 
 
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 Cian McNamara profile picture 
 
 
 Cian McNamara 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We couldn’t recommend Michael Ivory highly enough! It took us quite a while to find the right property, but Michael was incredibly patient and supportive throughout the whole journey. He guided us step-by-step and seamlessly handled a couple of application renewals to keep our approval extended for another 12 months. Having his expertise and support made the process so much easier for us.
  
 
  
 
 
 
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 MANJU profile picture 
 
 
 MANJU 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
⭐️⭐️⭐️⭐️⭐️

Absolutely brilliant service! Thank you so much for all your help and support throughout the mortgage process. You made everything simple, smooth, and stress-free. Highly recommend!
  
 
  
 
 
 
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 Sini M profile picture 
 
 
 Sini M 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We dealt with Kevin from mortgageline. He was a pleasure to deal with, got things done immediately! No task was ever to big or problematic for him, very quick and efficient!
Highly recommended!!!!
  
 
  
 
 
 
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 cong meng profile picture 
 
 
 cong meng 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We are very happy with the whole process. Everything is online and easy to follow. If you are looking for a broker who knows what he does and response quickly then Michael is your guy! He's very reliable. Big thanks to Michael! Will recommend to our friends 100%.
  
 
  
 
 
 
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 Amy Jones profile picture 
 
 
 Amy Jones 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
We had such a great experience with Mortgage Line. Kevin was absolutely amazing throughout the whole mortgage process and made everything so straightforward and stress-free. He was always there to answer any questions and kept us updated every step of the way. We couldn’t recommend Kevin and Mortgage Line highly enough!
  
 
  
 
 
 
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 Stefan Solcan profile picture 
 
 
 Stefan Solcan 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Highly recommended! Professional team, excellent communication, and amazing support with buying my house. Thank you!"
  
 
  
 
 
 
 Posted on Google Google 
 
 ligia sabina ligia profile picture 
 
 
 ligia sabina ligia 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Fantastic service from start to finish!"MortgageLine helped me secure the mortgage for my home. A special thanks to Mihaela Cordoș and the entire team for their support, patience, and quick responses. They made a stressful process feel very easy. Highly recommend their services to anyone buying a house!"🤗

Expert Articles From MortgageLine!

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What People Ask About Our Services?

Our clients frequently ask us various questions. Some of them are listed below:

At MortgageLine, we offer you access to various banks and mortgage lenders, ensuring you can compare options, rates, and terms efficiently. Our team of experts guides you through the complex mortgage procedures, providing personalised service tailored to your financial situation. This not only saves you time but often results in better rates and more favourable terms due to our access to exclusive deals. As the best mortgage broker in Dublin (as voted at HeyDublin.ie), we are also known for our services for first time buyers, remortgages, and many others.

We understand that moving homes is a significant transition, and managing your mortgage should be the least of your worries. As the most trusted mortgage advisor in Dublin, we help you whether you want to transfer your existing mortgage or need to find a new one that better suits your new circumstances. You can also contact us to discuss your borrowing capacity and begin your application through our secure online portal.

Once you’ve secured your deposit and provided all necessary information, we’ll recommend the best mortgage lender for you and proceed with the application. If approved, you’re set to start house hunting, with most approvals remaining valid for up to six months and extendable for up to a year. After finding the right property, we will help finalise your application and secure a Formal Loan Offer, which your solicitor will need to proceed.

The First Home Equity Scheme offers the following key guidelines and requirements:

  • Applicants must be first-time buyers over 18 and must secure mortgage approval from a participating lender. 
  • The scheme requires a minimum equity share of either €10,000 or 2.5% or of the property’s purchase price, whichever is less.
  • Maximum finance provided by the scheme can be up to 30% of the property’s purchase price.
  • Participants can combine the First Home Equity Scheme with the Help to Buy scheme. When both schemes are used, the maximum equity stake that the First Home Equity Scheme will take is capped at 20%.

Here are several ways to substantiate your income according to guidance from MortgageLine:

  • If self employed, you must provide detailed accounts to show your financial stability and income sources like profits and dividends.
  • Submit business and personal bank statements to demonstrate your income and spending patterns.
  • An employer letter and recent payslips can serve as direct evidence of income for those drawing a regular salary from a company. Even if you’re a sole trader without formal payslips, other documents can still outline your income streams.
  • You must have a Revenue Notice of Assessment document that reveals your yearly net profit before tax, which is crucial for loan affordability checks.
  • An official letter from your accountant confirming that your tax affairs are up-to-date can also support your mortgage application by providing assurances about your financial compliance and status.

It’s crucial to work with our mortgage brokers in Ireland, who understand the complexities of self-employed incomes.

Before remortgaging, consider the following key factors:

  • Check for early repayment charges on your current mortgage, particularly within a fixed-rate period. These fees can be substantial.
  • Understand that increasing your loan amount to release equity (e.g., for home improvements) will raise your monthly payments. However, these improvements also increase your property value and improve your loan-to-value ratio, potentially leading to better interest rates.
  • Seek flexible mortgages, like payment holidays or the option to make overpayments. This is particularly useful if your financial situation changes or your fixed-rate term ends.

As one of the best mortgage brokers in Ireland, we can help you deal with these considerations effectively.

When purchasing a new property or remortgaging an existing one, it’s essential to deal with the legal complexities involved. This process, known as conveyancing, requires the expertise of a solicitor who will handle all legal aspects. Your solicitor will receive a loan offer and a legal pack from your mortgage lender. Once everything is in order, they will proceed to request and draw down the mortgage funds on your behalf. If you’re in need of a reliable solicitor in your area, don’t hesitate to ask your MortgageLine Adviser for recommendations.

Securing a mortgage approval generally begins with your phone call to our mortgage adviser, who can provide a preliminary estimate of your approval timeline. Generally, it takes about 10 days to confirm formal approval, but this can vary based on your specific circumstances and the details of your application. Once your application is submitted, we gain a clearer understanding of the time required for formal approval. Different mortgage lenders have varying processing times, with initial approvals ranging from 5 to 20 working days, depending on which lender we approach.

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