Buying a home for the first time can be an intimidating process, especially when you factor the financing aspect into the equation.
In that case, getting a mortgage broker will help you streamline the process. They provide you with various lending options based on your budget and situation while handling most of the paperwork for you.
Look no further, we’ve listed down the best mortgage brokers in Dublin to give you a headstart on your home buying journey! But before that, here’s what you need to know about how much mortgage brokering services in Dublin cost.
How Much Do Mortgage Brokers Charge in Dublin?
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.
The Best Mortgage Brokers in Dublin
Now that we’ve given you an estimate of how much brokers earn, we won’t hold you back further. Here’s our own curated list of the best mortgage brokers in Dublin!
1. Moneysherpa
| CRITERIA | RATING |
| ACCESSIBILITY | ⭐⭐⭐⭐ (4/5) |
| APPOINTMENT SETTING | ⭐⭐⭐⭐⭐ (5/5) |
| OPERATING HOURS | ⭐⭐⭐⭐⭐ (5/5) |
| RESPONSE TIME | ⭐⭐⭐⭐⭐ (5/5) |
| CUSTOMER SERVICE | ⭐⭐⭐⭐ (4/5) |
| RELIABILITY | ⭐⭐⭐⭐⭐ (5/5) |
| PROFESSIONALISM | ⭐⭐⭐⭐⭐ (5/5) |
| SCOPE OF SERVICES | ⭐⭐⭐ (3/5) |
| NETWORK OF LENDERS | ⭐⭐⭐⭐⭐ (5/5) |
Buying a home for the first time or switching your mortgage can be an intimidating process, especially when you factor the financing aspect into the equation.
Established in 2016, moneysherpa specialise in delivering the maximum savings for their clients.
moneysherpa switchers save an average of €25,000 across their mortgage term. They also have one of the highest approval rates in the market with over 99% of applicants being successful.
moneysherpa specialise in mortgages for switchers and first time buyers.
One of their key strengths is that they have access to all of the lenders on the market, so will find you the best possible deal. This includes Avant Money, ICS and Finance Ireland who are exclusively available to brokers, as well as all of the Irish banks.
They are free to use as they get paid for by the lenders and their advisors, known as mortgage sherpas, use their tech platform to manage the whole mortgage journey remotely.
With the slickest process on the market moneysherpa is able to get you your savings faster, with an average time to switch of 3 months or less. The best in the industry.
They offer a free 15 minute mortgage check up over a video call to all customers. Slots start at 8.00am and finish at 6.30pm on weekdays, they also include lunch time slots to allow customers to call from work.
You can pick your free slot with one of their mortgage advisors on their website by clicking here.
Pros
- Free to Use
- Specialise in switching and First Time Buyers
- Highest approval rate
- Fastest time to complete
- All 7 lenders
- Flexibility in setting your online meetings
- Online approval journey
Cons
- No face to face meetings
- Don’t do buy to let, self build or foreign exchange mortgages
Customer Reviews
Check out some of their reviews below:
“Angie was amazing! Looked after us so well. Would definitely recommend for anyone looking a mortgage” — David O’Hanlon, New Home Buyer
“The moneysherpa interface for uploading and approving documents is really straightforward and intuitive. The whole process was timely, clear and Daire was great with advice and knowledge. No complaints at all – 5 star rating!”- Fiona Nulty, Switcher
“Excellent communication from Petrina, prompt responses to all my queries and good advice. Great service, thank-you.” – Sorcha Coleman, Switcher
2. Lenny Financial
Lenny Financial prides itself to have helped over 6,000 clients get their own homes in a span of 22 years. And that’s not all—their team consists of highly experienced financial advisors with over 35 years of experience, making them a trusted name among banks and lenders.
While mortgages are their primary area of expertise, they also offer a wide range of other financial services such as investment and insurance planning.
What makes Lenny Financial distinct in our book lies in their ability to cater to appointments outside of office hours. You may either pay their office at the city centre a visit or schedule a call via Zoom—for free, of course—which can be as early as 8 am or as late as 7 pm.
Clients can conveniently upload required documents to their online application platform. A total fee of €500 will be charged per application.
While this may be a bit steep for some clients, the fee may be payable in two separate payments of €250. Moreover, no service fee will be charged if you plan on switching from an existing mortgage facility to a new mortgage lender.
Pros
- Availability of online tools
- Flexible consultation schedule
- Convenient office location
- Broad range of mortgage and insurance services
Cons
- Relatively higher service fees
- No weekend operations
Customer Reviews
Check out what clients had to say about Frank Lenny Financials:
“We were extremely happy with the service provided by Frank Lenny. Frank, Helen and Rachel made the full process from our mortgage application through to closing our purchase so smooth and easy to follow. In particular, the team made themselves available to us at critical points in the journey which was invaluable to us as first time buyers. Would highly recommend.” —Christine Grier, Google Reviews
“My partner and I just got the keys to our new house in Wicklow which wouldn’t have been possible without the amazing Frank Lenny team! Our case was unconventional in the sense we are both immigrants here and they were able to navigate us through the extra hurdles we had to go through in the process. Frank and Rachel were extremely knowledgeable and supportive throughout the process and made it as smooth as possible for us. They really are the gold standard in terms of client servicing and couldn’t agree more with all the 5 star ratings given here. Thank you Frank Lenny team!” —Ittira Joseph, Google Reviews
3. Irish Mortgage Corporation
| CRITERIA | RATING |
| ACCESSIBILITY | ⭐⭐⭐⭐ (4/5) |
| APPOINTMENT SETTING | ⭐⭐⭐⭐⭐ (5/5) |
| OPERATING HOURS | ⭐⭐⭐⭐⭐ (5/5) |
| RESPONSE TIME | ⭐⭐⭐⭐⭐ (5/5) |
| CUSTOMER SERVICE | ⭐⭐⭐⭐ (4/5) |
| RELIABILITY | ⭐⭐⭐⭐⭐ (5/5) |
| PROFESSIONALISM | ⭐⭐⭐⭐⭐ (5/5) |
| SCOPE OF SERVICES | ⭐⭐⭐⭐ (4/5) |
| NETWORK OF LENDERS | ⭐⭐⭐⭐⭐ (5/5) |
Irish Mortgage Corporation stands out as a distinguished mortgage advisory service, leveraging a unique approach to cost transparency and client-centricity. A notable strength lies in their commitment to a cost structure where the financial burden is absorbed by the lenders. This strategic positioning ensures that all lenders bear identical costs, granting clients an unbiased and level playing field for mortgage advice. The implication is clear – clients have equal access to a comprehensive spectrum of lenders, fostering an environment where financial decisions can be made on merit rather than financial constraints.
One of the core tenets of Irish Mortgage Corporation’s appeal is the absence of direct costs to the client. This commitment to providing advice without imposing financial burdens on individuals is a testament to their dedication to fostering an equitable advisory process. Clients benefit from the elimination of fees, positioning Irish Mortgage Corporation as a rare entity in the mortgage advisory landscape.
In evaluating the cost-wise dimension, Irish Mortgage Corporation emerges as a beacon of clarity. Their communication regarding fees is transparent, ensuring that clients are well-informed and equipped to make sound financial decisions. This transparent approach is coupled with an unwavering commitment to working within budget constraints. The company’s dedication to affordability is not a compromise on the quality of services rendered. The intersection of fair pricing and high-quality assistance positions Irish Mortgage Corporation as a dependable choice for individuals navigating the complexities of securing a mortgage.
In our experience, the affordability of their services did not translate into a diminished standard of assistance. Instead, Irish Mortgage Corporation showcased a commendable balance, delivering value for money without sacrificing the excellence of their guidance. For those seeking a mortgage advisory service that seamlessly integrates cost-effectiveness with quality, Irish Mortgage Corporation emerges as a reliable and commendable choice.
Pros
- Competitive Pricing
- Expert Guidance
- Comprehensive Options
- Effortless Application
Cons
- Busy during peak days due to popularity
Customer Reviews
“We could not have asked for anyone more helpful and supportive to guide us through the process. Ciara Calder was very professional, reliable and easily contactable whenever we had any questions. Mel Carroll helped us complete the final stages to securing our home. Our experience with a Irish Mortgage Corporation was excellent and we could not recommend them enough.” — Abbie Kelly
“Delighted to welcome 2024 in our brand new home thanks to Paddy Carolan and his team at IMC, particularly Mel and Rob. I can not express enough how grateful I am for the service I received from him. Ours was a complicated application, and I went into the house buying project with little hope for success. However, from the first day we spoke to Paddy, we felt reassured. Paddy was professional, dedicated, patient and helpful. He followed up, updated and advised us regularly. He is definitely amongst the best mortgage advisors in the country. A fountain of knowledge. He achieved the impossible! I’ll be forever grateful.” — Beatrice
4. Which Mortgage
| CRITERIA | RATING |
| ACCESSIBILITY | ⭐⭐⭐⭐⭐ (5/5) |
| APPOINTMENT SETTING | ⭐⭐⭐⭐⭐ (5/5) |
| OPERATING HOURS | ⭐⭐⭐⭐⭐ (5/5) |
| RESPONSE TIME | ⭐⭐⭐⭐⭐ (5/5) |
| CUSTOMER SERVICE | ⭐⭐⭐⭐⭐ (5/5) |
| RELIABILITY | ⭐⭐⭐⭐⭐ (5/5) |
| PROFESSIONALISM | ⭐⭐⭐⭐⭐ (5/5) |
| SCOPE OF SERVICES | ⭐⭐⭐⭐ (4/5) |
| NETWORK OF LENDERS | ⭐⭐⭐⭐⭐ (5/5) |
Which Mortgage is a corporation that provides complete and certified mortgage services to clients such as house moves, transferring residences, and home improvements.
Past clients who have worked with them have praised them for their well-managed service procedures and speedy handling of paperwork to guarantee that clients have a hassle-free experience overall.
Aside from that, they offer outstanding website features such as mortgage calculators and online appointment booking pages to help people acquire their services.
However, their service rates are not readily disclosed on their website, and interested clients may need to inquire for additional information on this subject.
Overall, we strongly advise clients looking for such services to check them out due to their highly accredited mortgage packages, good customer care, and fully integrated website.
Pros
- Convenient application process
- Wide array of mortgage loans accommodated
- Communicative customer service
Cons
- Closed on weekends
Customer Reviews
Here are some reviews from their clients:
“Which Mortgage has made our mortgage journey painless from start to finish. The team have been so helpful, efficient and friendly. We cannot recommend them enough and are extremely happy that we did our mortgage application with them.”
“Anyone looking for help with mortgage can expect a great service from these guys!”
5. JC Mortgages
| CRITERIA | RATING |
| ACCESSIBILITY | ⭐⭐⭐⭐ (4/5) |
| APPOINTMENT SETTING | ⭐⭐⭐⭐⭐ (5/5) |
| OPERATING HOURS | ⭐⭐⭐⭐⭐ (5/5) |
| RESPONSE TIME | ⭐⭐⭐⭐⭐ (5/5) |
| CUSTOMER SERVICE | ⭐⭐⭐⭐ (4/5) |
| RELIABILITY | ⭐⭐⭐⭐⭐ (5/5) |
| PROFESSIONALISM | ⭐⭐⭐⭐⭐ (5/5) |
| SCOPE OF SERVICES | ⭐⭐⭐⭐⭐ (5/5) |
| NETWORK OF LENDERS | ⭐⭐⭐⭐⭐ (5/5) |
Our experience with JC Mortgages was positive overall. They efficiently guided us through the mortgage process, explaining complex terms in a way that made it easy for us to understand. Their clear communication was reassuring.
Our mortgage application process with JC Mortgages was smooth and streamlined. The team demonstrated a high level of professionalism, promptly addressing our queries. We felt well-supported throughout the entire process.
JC Mortgages provided quality service, carefully evaluating our financial situation to offer suitable mortgage options. Their attention to detail ensured that we were well-informed about the terms and conditions, fostering trust in their expertise.
JC Mortgages demonstrated efficiency in securing our mortgage approval within the expected timeframe. Their proactive approach in handling paperwork and liaising with lenders expedited the process, showcasing their commitment to timely service.
Pros
- Convenient application process
- Wide array of mortgage loans accommodated
- Communicative customer service
Cons
- No promos at the present
Customer Reviews
“John and his team were excellent and I can not recommend them enough. They were always available and if not they were quick to suggest next available time (usually within) 24 hrs. John was happy to field calls with us and is very friendly and easy to work with person. Five stars are well merited.” — Ronan Turner
“John and his team provided the most amazing support throughout the whole process. We felt well taken care of. All questions have been answered in timely manner and communication with the team is very smooth. They explain the process and made things easy. Suya has been an amazing support from first til last day of this whole process. Thank you!” —Izabela Darraj
6. Piccadilly Mortgages
| CRITERIA | RATING |
| ACCESSIBILITY | ⭐⭐⭐⭐ (4/5) |
| APPOINTMENT SETTING | ⭐⭐⭐⭐⭐ (5/5) |
| OPERATING HOURS | ⭐⭐⭐⭐⭐ (5/5) |
| RESPONSE TIME | ⭐⭐⭐⭐⭐ (5/5) |
| CUSTOMER SERVICE | ⭐⭐⭐⭐⭐ (5/5) |
| RELIABILITY | ⭐⭐⭐⭐⭐ (5/5) |
| PROFESSIONALISM | ⭐⭐⭐⭐⭐ (5/5) |
| SCOPE OF SERVICES | ⭐⭐⭐⭐ (4/5) |
| NETWORK OF LENDERS | ⭐⭐⭐⭐⭐ (5/5) |
We approached Tracy OSullivan, one of the advisors in Piccadilly Mortgages, to help us secure a mortgage, and their services exceeded our expectations. Our initial consultation was informative, providing clear insights into various mortgage options tailored to our needs. The personalized approach demonstrated their commitment to understanding our unique financial situation.
Efficiency is a notable strength of Piccadilly Mortgages. The application process was streamlined, minimizing paperwork and unnecessary delays. Our mortgage advisor guided us through each step, ensuring a smooth and timely progression. Their prompt responses to queries further emphasized their dedication to efficient customer service.
In terms of quality, Piccadilly Mortgages displayed expertise and attention to detail. Our advisor demonstrated a comprehensive understanding of the mortgage market, providing valuable advice that facilitated informed decision-making. The quality of their service instilled confidence throughout the process, making us feel well-supported in our home-buying journey.
Cost transparency is a hallmark of Piccadilly Mortgages. From the outset, we were provided with a clear breakdown of fees and costs associated with our mortgage application. There were no hidden charges, and our advisor took the time to explain each component, ensuring we had a full understanding of the financial aspects involved.
Piccadilly Mortgages stands out for its commitment to customer satisfaction. The overall experience was marked by professionalism, reliability, and a genuine desire to help us secure the best possible mortgage. Our confidence in their services was reinforced by the seamless coordination between our advisor and other involved parties.
Pros
- Extensive network of lenders and agencies
- Convenient mortgage switching online service
- Availability of online tools
- Additional services like life insurance
Cons
- Busy during peak days
Customer Reviews
“Tracy is without doubt, one of the best mortgage advisors I have dealt with. She takes away all the stress from a mortgage application and found me the best interest rate and mortgage amount – better than my bank was offering. I would highly recommend Tracy and Piccadilly Mortgages to all friends and family.” — Aidan Gay
“It’s really great working with Tracy, very organized and helpful. We are really glad that we have them through our mortgage process, they really eased off the stress.” — Leslia Beltran
7. Park Financial Planning
Park Financial Planning has built a loyal client base since it opened its doors in 1999. Their no-frills approach to getting clients a seamless approval process has earned them a good reputation throughout the years.
As members of Brokers Ireland and the Association of Irish Mortgage Advisors, their advisors are certified to be one of the best in the industry. Whatever your needs may be, Park Financial Planning will make sure to only give tailored financial advice based on your circumstances.
Like most established mortgage firms, they also have a wide range of partners that offer insurance and pension services. Online tools such as a mortgage calculator and an application portal are also available for use.
Unique to Park Financial Planning is their own standalone website meant for clients who wish to switch their mortgage provider for cheaper rates—a service that is totally free of charge.
Pros
- Extensive network of lenders and agencies
- Convenient mortgage switching online service
- Availability of online tools
- Additional services like life insurance
Cons
- Service rates not indicated online
- Less flexibility in setting meetings
Customer Reviews
As mentioned, Park Financial Planning has built a strong clientele throughout the years as evidenced by these reviews:
“We have been using Park Financial for the past 5 years and we have always been very impressed with their services and support. Park does everything they can to make the process of getting a mortgage and life cover as smooth as possible and definitely makes it less stressful for us. They provide a brilliant service and we will definitely be continuing to use their services in the future. I highly recommend them.” —Aideen Leppla, Google Reviews
“They have been so great to work with. They essentially did all the heavy lifting for us – collecting all the relevant paperwork for us and just asking us to sign in a specific clearly marked place, calling banks for us to get the best mortgage, following up with relevant people to ensure we get over the line before Christmas… and all done with a smile, a kind supportive email or phone call.” —Michelle Curtis, Google Reviews
8. GMC Mortgages
To conclude our picks of the best mortgage brokers in Dublin, let’s talk about GMC Mortgages. Established in 1996, GMC has one of the most extensive varieties of mortgage and insurance products in the industry today.
Being in the industry for so long has allowed GMC to establish a rapport with Ireland’s leading banks and lenders. Among our entries, they also provide the most comprehensive set of mortgage information for potential clients.
Property trends in recent years show that rental prices in Dublin are quite high. So if you’re planning to get a loan to finance an investment property, they also specialise in buy-to-let mortgages.
However, if you’re still on the fence about which property to get, you may also check out Douglas Newman Good’s website. GMC has partnered with them to give you access to a wide range of residential properties in the Greater Dublin Area.
Pros
- Strong network of lenders and agencies
- Availability of online calculators and application portal
- Access to residential properties for sale
- Additional services like life insurance and pension
Cons
- Service rates not indicated online
- Less flexibility in setting meetings
Customer Reviews
Along with other long-established firms, GMC has also built an excellent reputation throughout the years:
“GMC is the best mortgage broker in Ireland I have experienced. Have gone with them on multiple occasions due to their professionalism and solutions-oriented approach. Andrew Keegan and the team have a client-first approach and are always very responsive. Have recommended them to several friends who have also been very happy with them. They have relationships with all the main banks so it ensures you get the best deal possible. Thanks for everything!” —Prashant Søegaard, Google Reviews
“My wife and I cannot recommend GMC enough to any prospective first time buyers. The team looked after every aspect of the process, making recommendations to their partners for Insurance/Assurance, and ensured that the same contacts were communicating with us regularly. Everyone at the team was super personable, yet highly professional. Getting a mortgage can be an extremely stressful time, but GMC makes the process as easy and straightforward as it can be. We’ve officially bought our first home, and couldn’t be happier!” —Gary Davlin, Google Reviews
9. AM Financial
AM Financial is a mortgage broker that has access to all mortgage providers in the market. What people like about them is how they give advice about the different criteria each lender has and the best interest rates they are offering.
Another factor why people prefer them is their amazing customer service. Whether you are looking for a mortgage for your first home, trading up or down, or looking to switch mortgage providers to save money, you may contact them and they will happily assist you.
Over the years, they have built a reputation for themselves due to the quality of their services. They have provided some huge companies like KBC Bank, Avant Money, Finance Ireland, and so much more.
They offer their services in Malahide, Swords, and Portmarnock as well as in Raheny, Clongriffin, Beaupark, Kinsealy, Kilbarrack, Baldoyle, Sutton, Drumcondra, Glasnevin, Finglas, Clontarf, Rush, Lusk, Skerries, and Donabate.
Pros
- Regulated by the Central Bank of Ireland
- Answers any questions the client has
- Also offers excellent pension and protection advice
- Fantastic customer service
Cons
- Operating hours are not on their website
- Rates are unavailable
10. Finance for Homes
Looking for the right professional partner that can guide you through the process of a mortgage application that’s right for you and meets your needs? Finance for Homes is perfect for you. They are one of the most trusted companies that give the most honest mortgage advice and support.
They are not your usual mortgage specialists. According to the reviews of their previous clients, they mentioned that the team of Finance for Homes helped them through the process from the very beginning up until the end. They also complimented how strong and supportive their team was on their issue.
In comparison to other companies, they research extensively and communicate with clients clearly and honestly. One of their clients said that they did not use any jargons, which was amazing because they were able to understand what they were doing to help them with their situation.
People prefer to contact them rather than others because they always guide their clients to achieve their goals in a stress-free way. In case you do not know what service you need, feel free to call them, ask for a consultation, and they will be more than happy to serve you.
Pros
- Regulated by the Central Bank of Ireland
- Takes their time to listen to their clients
- You only need 10 steps in working with them
Cons
- No online application portal. (All documents can be emailed or collected from clients.)
11. Finance One Limited
Finance One Limited is a longstanding financial services advisor providing advice in relation to clients’ personal and business financial needs.
We recommend them because their pieces of advice cover a lot of areas that can help in effective financial planning. They cover pensions, retirement planning, savings, investments, family protection cover, home loan mortgages, buy to let mortgages, commercial property mortgages, debt restructuring, business & shareholder protection, and employer & employee group schemes.
We think they are great because they help clients plan ahead of themselves in order to achieve their financial goals, maximize their income resources, and enjoy stress-free financial management. With their team of experts who have over 200 years of combined experience, they have the skills and knowledge to be able to help you better prepare your finances.
No matter what help you are looking for, whether it is for pensions, investments, or protection, Finance One Limited can help you.
Pros
- A huge team of experts
- Updates clients throughout the process
- Simplifies everything in order for their clients to understand better
Cons
- Operating hours are not stated
Customer Reviews
Here are what their clients say about them:
“Cian and all the team at Finance One were exceptional from start to finish. Somebody was always on hand to answer any questions we had no matter how small. The online portal makes the process so simple by just uploading documents. I would 100% recommend using finance one for your mortgage journey, the service they offer is second to none. Thanks so much to everyone involved who got us into our new home! ☺️” – Michelle Flanagan
“I dealt with Daniel from the start and with the current situation with the housing market, and trying to get a mortgage in the middle of a pandemic can be burdensome. Also, the whole Finance One team is just fantastic and ready to help and answer any questions or would recommend someone else. Thank you as well to Cian, Amanda and Greg who were fantastic to deal with. I couldn’t be more grateful to the whole team. Thank you for everything! 🙂” – Jill Tolosa
12. Greenway
Greenway is a firm that provides consumers with completely certified and trustworthy financial advisers that specialize in areas such as pensions, insurance, and mortgages, among others. They are a tiny organization, but they have sufficient expertise in dealing with and managing both personal and commercial funds.
What we find remarkable is their diversified and wide industry expertise, which ensures that customers can anticipate evidence-based and dependable tactics tailored to their specific situations.
All other methods are also complimentary and sufficiently supportive of the client’s specific demands and conditions in order to construct personalized solutions to their financial problems.
Another thing we like about them is their website, which is jam-packed with important information for clients looking for credible materials and resources on financial systems and the services they provide.
Overall, their previous clients have formed long-term relationships with them and have praised them for their broad expertise in the industry and similarly efficient approach to implementation.
Pros
- Informative resources
- Professional and well-informed staff
- Complementary packages available
Cons
- Closed on Sundays
- company is fairly small
Customer Reviews
Here are some reviews from their clients:
“I recently changed my mortgage protection insurance with Greenway Financial Advisors. This was the easiest process of getting quoted and putting a policy in place that I have ever experienced. Debbie was available at any time to answer my queries and she has great knowledge and expertise with the insurance products they offer and she didn’t blind me with jargon. I’m delighted to have found a financial advisor I can trust.” – Enid M
“I had the very good fortune of receiving some advice from Greenway Financial Advisor’s, their in-depth and knowledgeable advice was above and beyond what I had hoped for. They were incredibly friendly, professional, efficient, and most importantly helpful. I would highly recommend them to anyone who needs a financial advisor.” -Brendan L
FAQs about Mortgage Brokers
And there you have it! We hope that our guide will allow you to select the best and most suitable mortgage broker in Dublin for you and your family.
Think we missed other mortgage brokers in our list? Send us a message and we’ll look right into it,
If you’re also putting a property for rent, getting an accountant can help you manage your assets. We’ve listed down the best accounting firms in Dublin to help with that.