Mortgage advisors & brokers in Dublin, Ireland
At MortgageLine, we make applying for a mortgage in Ireland simple and hassle-free. Our online mortgage application service allows you to start the process from the compfort of your home, saving you time and effort
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.
MortgageLine is rated 4.9 out of 5 stars
GET THE BEST MORTGAGE RATES FROM OUR PARTNERS
GET THE BEST MORTGAGE RATES FROM OUR PARTNERS
Buying Your First Home?
Navigating the mortgage market as a first-time homebuyer can be overwhelming, but you’re not alone. With countless lenders and interest rate options, finding the best mortgage isn’t always easy.
At MortgageLine, we simplify the process. Our expert advisers provide personalized guidance, ensuring you secure the right mortgage and step onto the property ladder with confidence.
Wondering about the Help to Buy Scheme or the First Home Equity Scheme? We’ll answer all your questions and help you explore the best options.
Thinking of Switching Mortgage?
Switching your mortgage is easier than you might believe. Many mortgage holders are paying more than necessary in Ireland. A quick call to us can save you thousands of Euros in repayments. Compare remortgage options to discover the best one for you, whether you want to reduce payments, consolidate debt, or invest in a property.
Factors to consider before remortgaging are:
- Consider Remortgage Costs
- Watch for Early Repayment Charges
- Be Mindful of Fixed Rate Penalties
- Assess Equity Release Impact
- Consolidate Expensive Short-Term Debts
Where do you stand in your remortgage journey?
Discover Our Easy Process to Securing Your Mortgage
Fill in the mortgage application form
Provide your name, email, phone number, and any additional notes. Our online mortgage application form is quick and easy to complete.
Speak with a mortgage expert
A dedicated mortgage broker will reach out to you for a free initial chat to answer your questions.
Online application and documents
You will be able to fill in your mortgage application details online, and we will help you with the required documents.
Secure Your Loan & Complete the Sale
– Once your offer is accepted, we finalise your formal loan offer and assist with legal formalities.
Get Advice on Various 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.
Mortgage Solutions for Self-Builders and the Self-Employed
Self Build Mortgage
Ready to bring your dream home to life? Secure a Self-Build Mortgage with MortgageLine and turn your vision into reality.
With years of expertise, we guide self-builders through every step—from mortgage approval to project completion.
Self Employed Mortgage
At MortgageLine, we have a deep understanding of what lenders seek from self-employed applicants and how you can improve your prospects of a successful application. Our brokers can guide you on the necessary documentation & anticipate any issues in advance.
Mortgage & Insurance Cover Tailored to Your Needs!
Fixed Rate Mortgages
−A fixed rate mortgage keeps your interest rate and monthly repayments the same for a set period (typically 2 to 10 years). This gives you certainty and helps with budgeting, as you’re protected from interest rate changes during the fixed term. However, if rates drop, you won’t benefit from lower payments, and there may be fees for early repayment or switching.
Variable Rate Mortgages
+With a variable rate mortgage, your interest rate can go up or down over time, depending on your lender’s Standard Variable Rate (SVR) and market conditions. This type of mortgage offers flexibility—you can usually make extra payments or pay off your loan early without penalties. If you’re planning to pay off larger amounts in the near future, this option could be ideal. However, as rates can change at any time, your monthly repayments may go up or down, making this mortgage less predictable than a fixed rate.
Discount Rate Mortgages
+A discount mortgage gives you a lower interest rate for an initial period (usually 1 to 5 years), based on a discount off the lender’s SVR. It’s a good way to reduce your early repayments, but since it’s tied to a variable rate, your payments can still change month to month. Some lenders offer discounted fixed rates for larger mortgages (over €250,000).
Green Mortgages
+A green mortgage offers a lower interest rate if you purchase a highly energy-efficient home—typically one with a Building Energy Rating (BER) of B3 or better. These first time buyer mortgage options are available to first time home buyers and can help you save on your monthly repayments while supporting sustainable living. They’re a great option if you're buying a newer or more eco-friendly property. Ask your MortgageLine Adviser about the green mortgage rates available to you as a first time buyer.
5 Star Reviews from happy clients
Reliable Mortgage & Insurance Advisers with 20+ Years of Experience
Our Financial Advisors are here to help you every step of the way. First schedule a call for a Free Mortgage Review. We will give you an idea of how much you qualify for and what it will cost. You will have your own dedicated MortgageLine Financial Advisor from start to finish who will help you every step of the way.
What People Say About Us!
“Process has been a rollercoaster and we couldn’t have gotten through it without the help, wisdom and support from the MortgageLine team, especially Joanna! This is our second time using MortgageLine and we couldn’t recommend them enough! Truly brilliant and competent team. Can’t recommend them enough!”
Katarzyna Krasinska.
Frequently Asked Questions
Our clients frequently ask us various questions. Some of them are listed below:
What is the Revenue Help to Buy Scheme, and how does it work for first-time buyers?
The Revenue Help to Buy Scheme is a program introduced by the Irish Government in 2020. First-time buyers can receive up to €30,000 towards the purchase of a new home. To qualify, the property’s value must be €500,000 or less, and the mortgage must be with a qualifying lender, covering at least 70% of the purchase price. The maximum amount you can receive is the lesser of €30,000, 10% of the purchase price, or the income tax and Deposit Interest Retention Tax paid in the last four years.
What is a moving home mortgage, and how can MortgageLine help me with it?
A moving home mortgage, also known as a second-time buyer mortgage, provides the necessary funds to purchase a new home when you’re looking to move. MortgageLine’s professional mortgage brokers can assist you in this process by helping you find the best mortgage deal that suits your changing circumstances.
What is a remortgage, and why should I consider it?
A remortgage is the process of taking out a new mortgage on a property you already own. It’s a popular choice for those looking to save money, especially when faced with rising mortgage interest rates. Reviewing your mortgage periodically can help ensure you’re not paying too much. A remortgage can lead to lower interest rates, reducing interest payments and potentially lowering monthly repayments.
How can I calculate the amount I can borrow?
First Time Buyers can borrow up to 4 times annual pre-tax income and everyone else can borrow up to 3.5 times annual pre-tax income. The max amount you can borrow will vary from bank to bank however as different banks will assess your income in different ways. Speak with a MortgageLine Broker for a free mortgage review to work out your home buying budget.
Ready to Begin Your Journey?
Whether you’re wondering how do first time buyer mortgages work or searching for the best deals for first time home buyers, MortgageLine is here to help.
