Mortgage Apply Online

Apply for your free online mortgage assessment from a qualified mortgage advisor.

Do you just have a quick question, or not quite ready to apply – start a LiveChat or give us a call on 061 513032.

Same Day Assessment

Fill in a few quick details below. One of our expert mortgage advisors will contact you with your best mortgage options.

Best Mortgage Quote

As a broker, we search a wide range of lenders on the Irish market to find the one that suits you best. Mortgage rates can vary based on term, loan amount, and LTV ratio — so getting tailored advice is key.

Your Personal Advisor

You’ll be assigned a dedicated case manager who’ll guide you from start to finish — answering every question and helping you feel confident at every stage of your mortgage journey.

Now, let's get started!

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Step 1 of 2

50%

What do you need a mortgage for?*

Purchase

Switch/Remortgage

Build/Renovate

Mortgage123 may charge an application fee of €1,000 for self-build applications. Fees will be agreed prior to the commencement of any application.*

I understand and I'm happy to continue

Are you Purchasing to*

Live In

Rent Out

Is this your first mortgage?*

Yes

Do you have an existing mortgage?*

Yes

What do you intend to do with your existing property?*

Sell it

Keep it

What are your current monthly mortgage repayments?*

Amount mortgage outstanding to repay?*

Current house value (approx.)?*

Current mortgage interest rate?*

Years left to repay in full?*

BER rating if known?

Have you an offer accepted on a house?*

Yes

How much are you looking to borrow (approx.)?*

Estimated purchase price (approx.)?*

For the majority of mortgage applications, we do not charge an application fee; however, a fee of €1,000 may apply to mortgage applications where the loan amount is less than €150,000. Fees will be agreed prior to the commencement of any application.

Are you borrowing to:

Build a new home

Home improvements

Will there be structural works done?*

Yes

Do you have any of the below?*

Planning permission in your own name

Costings from a builder

OSI maps

What is the address of the property (approx.)?

Single or Joint Application*

Single

Joint

Applicant Details

First Applicants Details

First Name*

Last Name*

Email*

Phone*

Age*

Please enter a number from 1 to 99.

Employment*

Annual Basic Income (before tax)*

Annual Variable Income (Bonus / Overtime)*

Do you have dependent children?*

Yes

How many dependent children do you have?*

Children's ages (separate with commas)*

What is the average you have been saving per month for the past 6 months?*

Monthly repayments on loans/ credit cards/ car PCP, etc?*

If you pay rent, what is the amount that you pay each month?*

How do you plan to fund the deposit?

Savings

Help To Buy Scheme

Gift

Other

Do you have clear credit history?

Yes

(i.e. never missed loan or credit card repayments)

Does your CCR report show missed payments in the past 2 years?

Yes

I don't have a CCR report

If you have missed payments showing on your CCR report, you will need to wait until they have been cleared for two years.

You will need to order a CCR report before you can complete your enquiry

Second Applicants Details

First Name*

Last Name*

Email*

Phone*

Age*

Please enter a number from 1 to 99.

Employment*

Annual Basic Income (before tax)

Annual Variable Income (Bonus / Overtime)

Do you have dependent children?*

Yes

How many dependent children do you have?*

Children's ages (separate with commas)*

What is the average you have been saving per month for the past 6 months? (type 0 if already included in first applicant)

Monthly repayments on loans/ credit cards/ car PCP, etc?

If you pay rent, what is the amount that you pay each month?

Do you have clear credit history?

Yes

(i.e. never missed loan or credit card repayments)

Does your CCR report show missed payments in the past 2 years?

Yes

I don't have a CCR report

If you have missed payments showing on your CCR report, you will need to wait until they have been cleared for two years.

You will need to order a CCR report before you can complete your enquiry

This field is hidden when viewing the form

Central Bank 4x Income Calculation

This field divides the mortgage amount by the total income multiplied by 4.. If the amount is less that the (income x 4), the result will be less than 1.

This field is hidden when viewing the form

Central Bank 3.5x Income Calculation

This field is hidden when viewing the form

10% Deposit Calculation

This field calculates 10% of the purchase price and then divides it by the total deposit funding. If the funding is less that the 10% number, the result will be less than 1.

Note: The amount you are looking to borrow appears higher than 4 times your gross annual income. The maximum you can borrow based on Central Bank Rules is 4 your total gross income. Any loans and expenses will affect that too. Please, check the income/loan figures entered to continue.

Note: The amount you are looking to borrow appears higher than 3.5 times your gross annual income. The maximum you can borrow based on Central Bank Rules is 3.5 your total gross income. Any loans and expenses will affect that too. Please, check the income/loan figures entered to continue.

The deposit amount is less than 10% of the purchase price suggested. You will need a plan how you will raise the deposit. Please, check the figures before you can continue.

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Mortgage Advice You Can Trust

We have helped over over 5,000 clients

You get quotes from all major lenders in the Irish market, 100s of rates

We tailor the quote to your needs and requirements

Our quotes are free of charge and no obligation

Our advisors cut the mortgage jargon to make sure you understand your mortgage

Mortgage Apply Online

Same Day Assessment

Best Mortgage Quote

Your Personal Advisor

Now, let's get started!

Applicant Details

First Applicants Details

Second Applicants Details

Mortgage Advice You Can Trust

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