Buying your first home, financing a house move, or buying an investment property all come with different challenges and it can be daunting as it is such a huge financial decision to make.

Getting a mortgage is an exciting but stressful process and it can be overwhelming trying to figure out the different options and trying to understand the jargon involved.

Are you:

  • A first time buyer?
  • Thinking of trading up or downsizing?
  • In the market for an investment property?

We can take all the stress and hassle out of searching for a mortgage

If you are searching in vain, trying to compare mortgage providers with different mortgage products, interest rates, qualifying criteria, and requirements then look no further.

MortgageOne offers an accessible, easy process that is quicker and streamlined. We work with lenders so that you do not have to. You can apply online if it’s easier for you, or you can chat with an advisor on the phone if you prefer.

Start a mortgage with MortgageOne

Our mortgage calculator will estimate how much you could borrow, based on your income and deposit. You can compare Irish lenders to find the best deal for you. We are not tied to any one lender and can compare quotes from multiple lenders for you. MortgageOne will always put your needs first in any advice we offer you. Your trusted mortgage advisor will guide you through the process and advise you at every stage cutting out the need to prepare multiple applications.

MortgageOne has a strong reputation

MortgageOne is part of LHK Group, which has been an independent, family owned business since 1938, That’s 86 years of putting the customer first and offering sound, impartial financial and insurance advice to personal and corporate clients.

We aim to build a strong client relationship and provide trustworthy solutions to our clients to give you security and peace of mind.

Our focused, specialised mortgage department offers 24/7 access to dedicated staff from a long-established financial services company with a strong reputation for client satisfaction.

MortgageOne mortgage advisors provide genuine advice that is in the best interest of our clients with an in-depth knowledge and understanding of the Irish mortgage market.

Mortgage FAQ

Whether you are a first time buyer, house mover, or investment purchaser, you will need to apply for a mortgage. You can apply directly to individual lenders or you can apply through mortgage specialists, such as MortgageOne.

Put simply, the Central Bank’s lending rules state that you must have a minimum deposit, it’s 10% for first time buyers, and you may usually only borrow four times your salary.

Approval in Principle is basically a letter from the mortgage lender stating the amount they are willing to lend you based on the information you have provided. This letter is usually valid for 6 months.

Having high outstanding loans, an overdraft, or unpaid credit card balances could mean that you are allowed to borrow a lower amount and could also indicate to a lender that you rely on short term credit to pay your bills.

There are ten mortgage lenders in Ireland. Banks may offer lower mortgage rates to their customers but there are many options.

A mortgage advisor, like MortgageOne, will get quotes from a range of lenders for you and find you a quote that is best for you. 

A fixed rate mortgage means that your interest rate will not change for a certain length of time, a variable rate mortgage means that your interest rate can change, depending on several factors. There is also an option known as a split rate which is a combination of these two types.

A fixed rate is predictable and can help with financial planning, but having a fixed rate can be inflexible with changes to your mortgage subject to penalties. A variable rate mortgage can offer flexibility but your monthly mortgage payments may change.

The mortgage term is how long your mortgage will last before it is paid off. The mortgage term you are offered by your lender depends on a number of factors, including your age on application.

Choosing a shorter term may result in higher repayments, generally, the longer the term the lower your repayments.

Use our mortgage calculator

Use our calculator to see how much you could borrow today based on your income, and your deposit. 

Enter your mortgage requirements and we will search the Irish mortgage market for you so that you can compare deals from Ireland top lenders.

Get started on your mortgage application today

MortgageOne is your trusted mortgage advisor from a long established company. 

Use our mortgage calculator and give us some details so that we can get started on your mortgage application, or you can speak to an advisor by phone if you would prefer.

Wherever you are in your homeowner journey, first time buyer, house mover, property investor, or you are considering remortgaging, or switching your mortgage, MortgageOne can help, advise you, and get you the best deal.