The Best Mortgage Brokers in Cork
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The 6 Best Mortgage Brokers in Cork

If you need additional funds to secure a property, then you’ll need an experienced mortgage broker to help you through the process.

And what more could you ask for when you have the best mortgage brokers in Cork at your disposal? In this article, we’ll tell you which ones offer the most bang for your buck, as well as other essential information you need to know.

You may be wondering if hiring a mortgage broker entails additional costs. So, let’s talk about that first.

How much do mortgage brokers charge?

As a general rule, mortgage brokers earn a certain percentage from the total cost of the loan. This is a prearranged agreement between the broker and the lender, and this normally ranges between 0.5% to 1%.

Under Irish law, brokers are also required to give their commission back to the lender within a certain period should the client withdraw their mortgage.

Some brokers also charge their clients for mortgage processing or when simply asked for advice. This may come in the form of a flat fee or a percentage of the mortgage amount.

As this isn’t always the case, it’s best to ask your broker about their rates beforehand to avoid hidden charges.

Moneytree Finance€250Up to 1%
Financial Innovations– Free (Existing Mortgage Advice/Re-mortgage/ Switching)

– €500 (Mortgages Less Than €150,000)

– €500 (Residential Investment Property Mortgage Application)
Up to 1%
Mortgage SearchFreeContact for More Information
The Mortgage ArchitectFreeContact for More Information
MyMortgages.ieContact for More InformationUp to 1%

The Best Mortgage Brokers in Cork

One more thing before we reveal our picks—here’s a quick overview of our criteria in the selection process:

  • Industry experience, which shows that they have the technical knowledge involved in processing mortgages successfully
  • Customer experience, as it reflects the consistency of the quality of their work 
  • Accessibility, which should allow you to see or contact them conveniently
  • Scope of service, to make sure that they can accommodate whatever mortgage request you need
  • Transparency, to make sure that you don’t have to worry about hidden fees

If you’re ready, let’s head over to our selection of the top mortgage brokers in Cork. 

1.   moneysherpa

SERVICESGuides on Best mortgage providers, mortgage rates, financial advisors, investments, pensions, and smart saving
CONTACT DETAILS[email protected] 
(042) 932 9300
OPERATING HOURSMon-Fri; 8.30am – 6.30pm

Matters related to finance, be it investments or mortgage, typically take time to fully comprehend considering the number of variables to consider that change depending on context. Fortunately, there are guides we can refer to if we find ourselves out of depth when it comes to financial topics.

Moneysherpa is one company that has made a name for itself by constructing some of these financial guides.

One of the best things about using Moneysherpa’s content as a guide is the assurance that it would not lead you astray. See, Moneysherpa guarantees that all of their content has been written or overseen by qualified financial advisors in the relevant field.

Moreover, Moneysherpa’s content isn’t affected by advertising or under the table agreements, so readers can rest easy knowing that each and every financial content on the site is genuine and has been thoroughly researched beforehand.

Some of the topics that Moneysherpa addresses in their content relate to mortgage rates, mortgage providers, financial advisors, investments, pensions, and even smart saving. Their mortgage broker offering is also available throughout the country.

On the topic of mortgage, Moneysherpa works to alleviate the stress of applying for mortgages by helping clients navigate their mortgage journey. The Moneysherpa team consists of experienced and fully qualified mortgage advisors, all of whom have worked for all the major lenders so they know the landscape inside out.

Aside from their expertise on the subject matter, Moneysherpa’s team also comes highly recommend given the fact that their services come for free. Clients can easily book a free, no obligation call with them through Moneysherpa’s website, expect the numbers to be discussed during the call, and then wait for Moneysherpa to handle the application process.


  • Free financial and mortgage consultation
  • Ideal for First Time Buyers, Movers and Switchers
  • Offers guides on various financial matters
  • Quick and easy application process


  • No physical location

Customer Reviews

Looked after us so well

“Angie was amazing! Looked after us so well. Would definitely recommend for anyone looking a mortgage” – David O’Hanlon

2. Moneytree Finance

Moneytree Finance's Homepage
SERVICESMortgage Application Processing
ADDRESSSiac House, Ballyvireen, Rosscarbery, Co. Cork
CONTACT DETAILS087 902 6915 | [email protected]
OPERATING HOURSMon to Fri: 9:00 am – 5:30 pm

Moneytree Finance is an independent mortgage broker serving Cork City and West Cork. Whether you’re buying a home for the first time or are looking to diversify your portfolio, rest assured that they can guide you from start to finish.

We like the fact that they’re connected to multiple lenders including the Bank of Ireland, Ulster Bank, KBC, and Permanent TSB. This allows them to shop around to find the lowest rates possible for you. 

Of course, that also means that they’ll deal with the bank directly so you don’t have to. 

From what we’ve seen, they’ve done a pretty good job in helping clients land their dream home during the pandemic. Their location may not be centrally located, but they’ve been incredibly responsive to their clients—be it through email or phone calls.

Most mortgage brokering fees are already covered by the commission of the sale. Moneytree Finance receives a commission of up to 1% per sale, plus they charge clients a one-time flat fee of €250.

While this fee may be a minor drawback to some, we still appreciate that their fees are transparent online—no hidden fees to worry about!


  • Large network of lenders
  • Customer praise on responsiveness
  • No hidden fees
  • Free mortgage calculator online


  • Charges an application fee
  • Relatively far location

Customer Reviews

Helpful and couldn’t do enough for us

“We were blessed to come across Moneytree Finance. We were referred by a friend and it’s one of the best referrals we ever received. Veronica was so helpful and couldn’t do enough for us. She was always there to answer any questions and made sure everything was right. We are very grateful. Also when dealing with Con in relation to insurance etc he was so professional and friendly and made sure we understood everything. Thank you so much Veronica, Con and team.” —Siouxsie Lynch, Google Reviews

Made the process so much easier

“I honestly couldn’t recommend Veronica any more! From the start of our journey to the finish line, she was there for all of our questions and queries, which were always cheerfully answered. Veronica really made the process of buying our forever home so much easier than dealing with any of the banks directly, I would recommend Veronica and her team 100% to anybody who is starting their home buying journey. A million thanks again Veronica!” —Karen O Mahoney, Google Reviews

3. Financial Innovations

Financial Innovations' Homepage
SERVICESFirst Time Buyers, Switching Mortgage, Investor Mortgages, Term Assurance, Serious Illness Cover, Health Insurance, Business Protection, Income Protection, Retirement, Investments
ADDRESSLane Business Park, Monahan Road, Cork
OPERATING HOURSMon to Fri: 9:00 am – 6:00 pm

Financial Innovations may be based in Cork, but they actually have clients all over Ireland. More than a mortgage broker, this firm offers a broad range of financial advice services.

Whether you need advice on investment planning or pension preparation, their team of financial experts will give you the most suitable solutions based on your needs.

Their brand of service is simple, really. They aim to foster long-term relationships with their clients by offering highly personalised services.

This means meeting or talking to you in a location that you find most convenient, even if their location is centrally located. And we can see that they hold true to this promise—we’ve heard plenty of positive feedback about them.

Another thing we like about them is that their fee structure is transparent online. They’ll only receive a commission from the lender once the mortgage application is successful.

What this means for you is that you also get to have free mortgage advice whenever you need it, and that’s a plus in our book!

However, this isn’t always the case. In some instances, they charge clients an application fee for mortgages less than €150,000, for example. 

They’re relatively higher compared to others that we’ve seen though, which can be a downside for some. You can check out an overview of their fees here.


  • Wide range of services
  • Large network of lenders
  • Free mortgage advice (terms apply)
  • Central location
  • No hidden fees


  • Some mortgage applications require fees
  • Relatively expensive application fees

Customer Reviews

Brilliant from start to finish

“I switched mortgage recently to a new provider and used Financial Innovations as a broker. They were absolutely brilliant to deal with from start to finish. Any questions I had were dealt with effectively, professionally and timely. Both John and Becca guided me through the entire process easily and . I would highly recommend them.” —Kevin O Connell, Google Reviews

Professional and efficient

“Brid was my financial advisor and was extremely helpful throughout the process of buying my home. I’m a first time buyer and I found her professional, efficient and great to advise each step of the way. Can’t recommend her enough!” —Elaine Rockett, Google Reviews

4. Mortgage Search

Mortgage Search's Homepage
SERVICESFirst Time Buyers, Moving Home, Switching Mortgage, Remortgage, Buy to Let
ADDRESS8 Blackpool Retail Park, Blackpool, Cork
OPERATING HOURSMon to Fri: 9:00 am – 5:00 pm

If you want a no-frills mortgage brokerage firm, then Mortgage Search is a good option. At this firm, you have the option to choose among common mortgage products including first-time buyers, moving homes, switching, among others.

Their team of mortgage brokers have been in the industry for many years now—a giveaway that they know what they’re doing.

We recommend maximising their obligation-free initial consultation services to know if they’re the right fit for you. 

From what we’ve seen, they’ve earned a reputation for being professional and efficient, which is why we weren’t surprised to see that they’ve branched out to Dublin and Limerick, actually.


  • No hidden fees
  • Free initial consultation
  • Large team of brokers
  • Branches available in Dublin and Limerick


  • Relatively far location

Customer Reviews

Went above and beyond

“Amy from Mortgage Search helped me through every step from mortgage application to closure. Amy is amazing at her job. She is always on the other side of the phone to ask any question, big or small. She talked me through every step of the process. Towards the closure of my sale, Amy went above and beyond to ensure it got over the line. Highly would recommend anybody thinking of getting a mortgage to use Mortgage Search to ease the process!” —John Brouwer, Google Reviews

Highly efficient and very helpful

“I contacted Farzaneh Moeini at Mortgage Search on the basis of a referral. I was not disappointed. Aside from being extremely pleasant to deal with, Farzaneh was highly efficient, very helpful, and always seemed to be one step ahead to minimize any potential delays. I will definitely be passing on my recommendations to friends and family for future requirements. Thank you for an excellent and stress-free experience!” —Lisa M, Google Reviews

5. The Mortgage Architect

The Mortgage Architect's Homepage
SERVICESFirst Time Buyers, Moving Home, Switching Mortgage, Self-build Mortgage, Public Sector Mortgage, Mortgage Protection
ADDRESSThe Mortgage Architect, City Quarter, Lapp’s Quay, Centre, Cork
CONTACT DETAILS021 488 2957 | [email protected]
OPERATING HOURSMon to Fri: 8:00 am – 8:00 pm
Sat: 10:00 am – 4:00 pm

The Mortgage Architect is another fantastic choice if you want a broker that offers straightforward services. You can find every service you can expect in a mortgage broker here—first time buyers, switching mortgage, moving homes, and more. 

But as you can probably guess from their name, they actually specialise in self-build mortgages. Getting this type of mortgage is more challenging than others, considering that the self-build process involves a few steps.

This includes acquiring a site, obtaining planning permission for your house type, and engaging with architects and engineers. The Mortgage Architect knows the financing aspect of this type of project quite well, and it’s precisely what they’re known for in the city.

Hence, we won’t hesitate to recommend this broker for self-build projects. 

We also love the fact that they don’t charge clients a single penny for consultation services. Their fees only come in the form of commissions, which you’ll have to ask them more about if it concerns you. 

They’re also open on Saturdays, which makes them one of the very few (if not the only one) mortgage brokers that are available on weekends. We think that this allows busy clients to take their time in consulting with them when they aren’t available on weekdays. 


  • Specialises in self-build mortgages
  • No application fees
  • Free consultation
  • Open on Saturdays


  • No list of lenders
  • No information about commission

Customer Reviews

Very fast on replies

“Hello all, I was very pleased to have the support of Robert O’Sullivan. He was very helpful and accurate during my mortgage journal. From the start he answered all of my questions and he presented to me all of options on the market. Then I chose a bank based on my need and he helped me to organized all of the document. What I have really appreciated was the fact that he very fast on his replies, highly organized and always available to answer my call even out of work hours like weekends evening. if you have taken already your decision to buy or you are thinking about and you need some support, I strongly recommend to give a call to Robert, it will save you time, money and you will avoid a lot of stress!” —Argyris Kanakis, Google Reviews

Absolute delight to deal with

“I can’t recommend Rob enough, he’s been an absolute delight to deal with throughout the mortgage process, he helped every step of the way from initial discussion until getting the keys, he answered all of my calls and queries at every time of day and week, as a first time buyer I would have given up without his help, even more so given the past few months of lockdown and uncertainty. I 100% recommend working with him and his team, they’re top notch!” —Adrian Gliga, Google Reviews

6.'s Homepage
SERVICESFirst Time Buyers, Second Time Buyers, Switching Mortgage, Moving Home, Expats, Investors, Trading Up/Down
ADDRESS51 S Mall, Centre, Cork
CONTACT DETAILS021 427 7037 or 086 806 0601 | [email protected] 
OPERATING HOURSContact for More Information is another broker you can consider. This one has over 20 years of experience in the industry, servicing homeowners nationwide, not just in Cork.

They provided practical mortgage advice to literally thousands of people who are embarking on a mortgage, from first time owners to those who are switching mortgages.

What makes them different from our other entries, though, is that they actually specialise in helping expats secure a mortgage in Ireland. 

Purchasing a property in Ireland from overseas can be a complex process. But we’re glad to see that they already have a readily available list of requirements for the benefit of homebuyers worldwide.

Apart from mortgage services, you can also find the convenience of purchasing mortgage protection insurance with this broker. To date, they have about 7 lenders you can choose from, which exclude certain major banks like Bank of Ireland.

While this can be a minor setback, rest assured that they’ll still do their best to get you the most competitive rates.

Whatever your needs are, you can schedule a free consultation with them to know your options moving forward. 


  • Wide range of services
  • Ideal for expats
  • Free consultation
  • Central location


  • Operating hours not listed
  • Limited list of lenders

Customer Reviews

All very professional

“I never give 5 star reviews normally but had to this time. I had been trying to get my mortgage refinanced for a few years. Not even a reply to my queries – even from people I knew. I contacted mymortages 8 months ago and was contacted straight away. It was 8 months of torture (due to banks) and every time mymorgages were there. I have dealt with numerous different people there – all very professional. Spoke to Joey a few times and he obviously knows his stuff. IF YOU WANT A MORTGAGE GO HERE.” —Gearoid Kennedy, Google Reviews

Always available, very responsive

“I got the keys for my place less than a couple of weeks ago, and after the conclusion I have to say I am very happy with MyMortgages. I had a first meeting with Joey, where he helped me understand what my options were, and suggesting the most suited lender and mortgage for my case, and after that it was just a matter of getting all the documents to them before having an application ready. The truth is that the process that followed was a long and frustrating one at times, for so many reasons, but Marianne was always available, being very responsive, and following up with any information that may have been needed, always pushing the right people to move forward! I also admire her patience, with all my questions and requests! Very happy with our collaboration! Could I have done this on my own without going through MyMortgages? Possibly, yes. But, had I done so, would I be confident that I understand everything about the product of my choice and feel sure that everything is under control? I highly doubt it. And that’s why I would happily recommend the team!” —Dimitris Kyritsis, Google Reviews

FAQs about Mortgage Brokers

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