Mortgage Comparison Advice

Benefits Summary

🔸 Access rates, terms, and incentives from all top lenders in Ireland.

🔸 Find the most competitive deals available based on your profile.

🔸 We manage the paperwork, negotiations, and process on your behalf.

🔸 Review and change your mortgage to save money with ease.

🔸 Our service is 100% free; the lender pays us.

🔸 We work for you, not the banks no allegiance to any provider.

🔸 Maximise Your Borrowing Power.

🔸 Simplify Complex Mortgages.

MORTGAGE COMPARISON/ADVICE

Not Just a Mortgage – A Smarter Way to Buy a Home

Buying your first home, trading up, or simply switching providers? The mortgage world can be complex, full of jargon, changing rates, and limited offers. That’s why we compare the market for you, ensuring you get the best deal, lowest rate, and maximum value, without the stress.

Compare Mortgages: Why settle for one bank's offer when you can view all of Ireland’s top mortgage lenders side by side? Choosing a mortgage can be as important as choosing a home. With interest rates, terms, and offers varying across providers, comparing the market helps buyers:

Secure the lowest interest rates available Increase maximum borrowing power tailored to your income cashback offers and avoid hidden incentives access to alternative lenders is not available to the public

Various Mortgage Types

Each type includes distinct eligibility criteria and benefits, suitable for different life stages and goals.

Government Incentives Supported

Guidance is available to help applicants access:

Step-by-Step Process:

Step 1: Initial consultation to gather personal and financial information.

Step 2: Comparison of all major Irish lenders on: Borrowing limits, Interest rates, Cashback options, Sector-specific terms.

Step 3: Recommendation of the most suitable mortgage product.

Step 4: Full application handled on behalf of the applicant.

Step 5: Coordination with banks, solicitors, and valuers.

Step 6: Education on applicable grants and government schemes

Credit Challenges & Loan Consolidation

Options available for applicants with poor credit history.Alternative lenders are considered when banks have declined applications.

Support in consolidating multiple debts into a single mortgage payment

Fees & Charges

Unlike others, Money Maximizing Advisors doesn’t charge any broker fees. We’re paid directly by the lender only when your mortgage is successfully drawn down. That means

Why Apply for a Mortgage Through a Broker?

A multi-agency broker compares all offers on the market, including those from banks, credit unions, and private lenders.

FREQUENTLY ASKED QUESTIONS (FAQ)

Which bank is best for mortgages in Ireland?

There’s no one-size-fits-all answer. The best mortgage depends on your income, deposit, and whether you're a first-time buyer. That’s why mortgage comparisons in Ireland are so valuable. Brokers like MMAdvisors compare offers from all major lenders, including alternative and non-bank providers, to find the best mortgage rates Ireland has to offer, tailored to your unique profile.

Is it possible to secure a fixed-rate mortgage for 30 years in Ireland?

They are available, but not as widely offered as shorter-term fixed rates. Most fixed-rate mortgages in Ireland range from 3 to 5 years, but some lenders now offer longer-term products. At MMAdvisors, we help you find lenders offering mortgages with interest rates in Ireland that suit your long-term goals, including extended fixed terms if available.

What is the average cost of a mortgage in Ireland?

This depends on your loan size, interest rate, and term. For example, a €300,000 mortgage over 30 years at 4% interest may cost around €1,432 per month. Use a free tool like the Irish Mortgage Calculator or speak to a broker to calculate the exact cost for your situation.

Is it worth using a mortgage advisor?

Absolutely. A broker gives you access to multiple lenders, not just one bank, meaning you can secure the cheapest mortgage rates in Ireland for your needs. Plus, MMAdvisors charges no broker fee. We’re paid only when your mortgage is successfully drawn down.

What are the rules for mortgage borrowing in Ireland?

Here are the basics: First-time buyers: borrow up to 4x gross income Deposit needed: 10% for those buying their first home, 20% for everyone else You must show repayment capacity and a clean credit history Brokers like MMAdvisors simplify these rules and help you apply online for mortgage loans in Ireland—guiding you from pre-approval to final drawdown.

What are the best mortgage rates?

Rates change regularly and depend on your deposit size, income, and lender. Some providers offer cashback; others offer lower rates with fewer perks. With full mortgage comparisons in Ireland, we help you weigh total repayment costs, not just the headline rate, so you can choose the right product.

Is there a chance mortgage rates will fall in Ireland during 2025?

Forecasts are uncertain, but experts suggest Irish mortgage rates may begin to stabilise in 2025, depending on European Central Bank (ECB) policy. That said, holding off may result in greater expenses if rates continue to be high. Locking in a competitive rate now, then switching later, may be a smarter move, especially for first-time buyers.

Should I get a 25 or 35-year mortgage?

A 35-year mortgage lowers monthly repayments, making it attractive for younger buyers. However, a 25-year mortgage typically means lower overall interest paid.

Get in touch with us

We’re here to help, reach out anytime for expert advice, personalised support, or answers to your financial questions.