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We compare leading Irish lenders, handle all the paperwork, and guide you from first question to keys in hand.

500+ 5-star reviews
The 123 of Getting a Mortgage
We compare leading Irish lenders, handle all the paperwork, and guide you from first question to keys in hand at no cost to you.
Tell Us Your Dream
Share your goals first home, moving up, or switching. We'll quickly assess what you can borrow, stress-free and clear.
We Handle the Hard Stuff
We compare lenders, negotiate the best rate, and manage all the paperwork on your behalf. You focus on finding a home.
You Celebrate
Mortgage approved, signed, and drawn down. Keys in hand. Feet up. We'll even be here for your next move or remortgage.
A dedicated broker who works for you, not the bank
We're impartial, and entirely on your side. Our job is to find you the best mortgage from the widest choice of lenders in Ireland.
We Handle the Hard Stuff
We compare lenders, negotiate the best rate, and manage all the paperwork on your behalf. You focus on finding a home.
Expert Guidance Throughout
Your dedicated advisor is with you every step — from AIP to drawdown, we're a call or message away.
Mortgage Advice at No Cost
We're paid by lenders when your mortgage completes. Our advice and support costs you nothing.
Fast, Streamlined Process
Our online system makes it easy to send documents, track progress, and stay informed at every stage.
Trusted by clients
across the country

Sarah & Ciarán M.
Dublin, First-Time Buyers
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."

Patrick K.
Cork, Mortgage Switch
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."

Sarah & Ciarán M.
Dublin, First-Time Buyers
"The team at Mortgage123 made the whole process so easy. We were first-time buyers with no idea where to start they walked us through everything and got us a great rate."
Find out what you can borrow today
Get an instant estimate of your mortgage based on your income and deposit. Our advisors can then give you the full picture.
- Instant estimate no credit check
- Based on current Irish lender rules
- Talk to an advisor to confirm your figures
- Fully free, no obligation
First Time Buyer Calculator
Estimate how much you may be able to borrow and the property price you could afford.
Mortgage News & Tips
Mortgage News
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09 Oct 2026
Help to Buy Scheme Ireland: Rules, Limits and Budget 2027 Changes
The Help to Buy (HTB) scheme was first introduced in Jan 2017 to help first-time buyers purchase or self-build a new house or apartment. The scheme was reviewed and enhanced in 2027 and has been extended until end 2029.
Mortgage Tips
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14 Aug 2026
Mortgage Approval in Principle vs Full Loan Offer: What’s the Difference?
One of the most common misconceptions among homebuyers is that once they receive mortgage approval, they are guaranteed to get their mortgage.
Mortgage Tips
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15 Jul 2026
Property Prices in Ireland: How to Reaserch an Area and Avoid Overpaying
Buying a home is one of the biggest financial decisions you’ll ever make, and in a competitive property market, it’s easy to wonder whether you’re paying the right price.