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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."
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BhaskarTrustindex verifies that the original source of the review is Google.
A heartfelt thank you to Kara and Mary, both were incredibly kind, patient, professional and supportive throughout. They went above and beyond, always making time for our questions and guiding us through every step with genuine care. We will always be grateful for their support. Thank you both from the bottom of our hearts. You are a credit to Mortgage123.![]()
Brian GTrustindex verifies that the original source of the review is Google.
Great service from the team (Darragh and Zoe). Made the whole process so easy especially when purchasing from abroad![]()
Cinju VTrustindex verifies that the original source of the review is Google.
I had a great experience working with Kyle throughout my mortgage process. They were extremely helpful, professional, and supportive from start to finish. They took the time to explain everything clearly, answered all my questions, and kept me updated at every stage. The whole process was made much easier and less stressful thanks to their knowledge, patience, and dedication. I really appreciate all their help and would highly recommend them to anyone looking for mortgage assistance. Thank you for all your support!![]()
Sabrina CTrustindex verifies that the original source of the review is Google.
I am so grateful to Darragh and Zoe for all their hard work in making my dream of being a homeowner come to life. I really didnt think I could do it but the time they put in to helping me prepare in advance of applying really helped make the process smoother. Thanks for everything.![]()
Cathal DTrustindex verifies that the original source of the review is Google.
Darragh and Zoe were amazing to deal with! I live overseas and was buying our first property in Ireland! The mortgage approval was tricky however they were both very helpful throughout the whole process!! Thank you![]()
Waqar ATrustindex verifies that the original source of the review is Google.
Dealing with Mortgage 123 in getting the mortgage was the best decission. They were really great, highly recomend.![]()
Seamus MTrustindex verifies that the original source of the review is Google.
The Mortgage 123 team & especially Zoe & Darragh were amazing, made the whole process, despite not being in country to do most of the paperwork, very smooth & clear to follow. Overall a 5 star experience!![]()
Cathal DTrustindex verifies that the original source of the review is Google.
Could not recommend Mortgage123 highly enough. They assisted us completely throughout our mortgage journey, in particular our advisors Derry and Julio.
Find out what you can borrow today
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Mortgage News & Tips
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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.
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14 Aug 2026
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