GOOD PEOPLE
SOUND ADVICE

For over two decades, our experienced team of mortgage brokers have been helping people all over Dublin and Ireland nationwide to secure mortgage approvals. We are committed to making the entire mortgage and home buying process as easy as possible for you.

Streamline the management of your mortgage application from beginning to end, all in one place. MortgageLine offers Free Online Mortgage Reviews nationwide.

No matter what stage you are at please get in touch and we will help you to get ready for mortgage and homebuying success.

Our team of friendly and dedicated mortgage advisors are here to help you every step of the way.

5* Star Rating on Google and Trustpilot.

Voted No. 1 Best Dublin Mortgage Broker at HeyDublin.ie

Voted Top 2 Best Cork Mortgage Broker at bestinireland.com

Buying a Home

Switcher Mortgage

GOOD PEOPLE SOUND ADVICE

We’ve been helping people get mortgages for almost 20 years and have a team dedicated to making the whole process as easy as possible for you. Effortlessly manage the progress of your mortgage application – from beginning to end, all in one place. Our team of expert advisors are here to help you.

Voted No. 1 Broker Dublin at HeyDublin.ie and Voted Top 2 Broker Cork at bestinireland.com

Buying a Home

Switcher Mortgage

As Easy as 1, 2, 3!

1. Speak with a mortgage
broker for a free consultation

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2. Complete your details
with our easy online
mortgage application

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3. Upload your mortgage application documents and get a great deal on your mortgage

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Buying Your First Home?

If you are a first time home buyer who is currently finding the mortgage market a challenge to navigate, then you are certainly not alone. With so many first time buyer mortgage lenders and interest rate options to choose from, selecting the most suitable mortgage is not always easy.

This is where we come in. MortgageLine can provide you with all the help, advice and support you need to make your first step on to the property ladder as smooth as possible and successfully secure your ideal first home.

You may be wondering where to start or about the Help to Buy Scheme or the First Home Equity Scheme. I am sure you have lots of questions.

Mortgages come in many shapes and sizes. We’ll make sure you get the help and advice that you need and all of your questions answered.

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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?

Remortgage

Dublin’s #1 Mortgage Brokers

Whether you’re seeking experts in Self Build or if you’re self-employed and in need of a broker who comprehends your financial situation, we’re here to assist you in getting ready for your mortgage journey.

Self Build Mortgage

Ready to turn your dream home into reality? To secure this type of home loan, you must submit an application for a Self Build Mortgage. At MortgageLine, we have years of expertise in guiding self-builders through the process, from mortgage approval to self-build project completion.

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Easy Mortgage Process

Understanding mortgage rates & underwriting criteria requirements in Ireland can be tricky. Our Experienced Financial Advisers & support staff are here to help.

You get your own dedicated MortgageLine Advisor to help you from start to finish.

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Self Employed Mortgages

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.

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Mortgage & Insurance Cover Tailored to Your Needs!

With over 20 years of combined experience in the Mortgage and Insurance industry, MortgageLine is perfectly positioned to address all your financial requirements.

Moving Home with a Mortgage

Moving to a new home can be a hectic and stressful time. You shouldn’t have to worry about your mortgage during this period with our advisers. We can assist you with transferring your mortgage to your new property. Whether you want to keep your current mortgage, change lenders due to new circumstances, or get a new mortgage for your new home, we’ve got you covered.

Fixed & Variable Mortgages Rates

With a fixed mortgage option, you’ll lock in a fixed interest rate for a specified duration, ensuring that your monthly mortgage payments remain constant. On the other hand, variable mortgage rates can fluctuate based on the lender’s Standard Variable Rate (SVR). Irish mortgage lenders each establish their unique variable rates, which tend to move somewhat in alignment with the European Central Bank Rate.

Discount & Green Mortgages

At MortgageLine, we understand how essential it is for you & your family to get the best possible mortgage rate with the lowest monthly repayments. Our in-house consultants are highly experienced in ensuring all options are explored and get the best Discounted or Green mortgage rates available to you. Please schedule a consultation with one of our MortgageLine Financial Advisers today.

Secure Your Future with an Income Protection Plan

At MortgageLine, we understand how essential it is for you & your family to be protect your biggest asset, your income, especially when unforeseen circumstances arise. Our in-house consultants are highly experienced in ensuring the ideal type of insurance to address your specific requirements. Please schedule a consultation with one of our MortgageLine Financial Advisers today.

Protecting You & your Family with Life and Serious Illness Insurance

Have you thought about your financial security in the event of a death or serious illness? Term Life and Seious Illness insurance can seem complicated. That’s why we’re here. We provide Term Life and Serious Illness Cover that is tailored to your needs, offering the lowest possible monthly premiums starting from as little as €10 per month. Let us help you navigate this crucial aspect of financial planning.

Protecting You & your Family with Mortgage Protection Insurance

Whether you want to secure your home or your income, connect with our experts to save some money on your Mortgage Protection and Life Insurance coverage. MortgageLine can help you avail of discounts of up to 15%. Our Life insurance provides access to extra benefits life, serious illness cover and medical helplines.

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Reliable Mortgage & Insurance Advisers with Years of Experience

Rated 5* Stars on Google and Trustpilot, MortgageLine is ranked as the top mortgage broker in Dublin by HeyDublin, a trusted source for reliable reviews.

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.

Remortgage

What People Say About Us!

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“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.

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“I was highly impressed with the level of professionalism displayed at Mortgageline. I was previously denied Mortgage by a bank owing to my personal circumstances but I just gave it another trial at Mortgageline. They have got enthusiastic and listening staff members who are ready to assist. Just simple explanations and they were able to find suitable answers to my queries. Not only that, I was given several options to choose from. The Manager, financial advisor and the completion teams are all outstanding. Their instructions are easy to follow and I would recommend them to anyone.”
Rahmon Ariwoola.

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“I had an amazing experience with MortgageLine and I cannot recommend it enough. Mayur helped me so much through the whole process. I really appreciated when we had our first video call where he explained the different steps in detail. He was always available to answer my questions and concerns. He provided me with regular updates and was proactive in his approach, making sure we were always on track and informed throughout the entire process.
Overall, we had an excellent experience with MortgageLine.”
Maria Arriaza.

Frequently Asked Questions

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.

Get in touch with a MortgageLine broker

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First Time Buyer Scheme & Mortgage In Ireland

Stephen Hamilton Financial Services Ltd T/A MortgageLine is regulated by the Central Bank of Ireland.