Mortgage Broker in Cork
MyMortgages.ie are independent, CBI-regulated mortgage brokers based in Cork. Our advisors work across Cork city and county, helping first time buyers, switchers, and investors secure the right mortgage at the right rate. Call us today at +353 21 427 7037 to get started.
€500m
Value of Mortgages Processed
20 +
Years of Experience
7
Partner Lenders
Cork & Dublin Mortgage Specialists
Why Choose MyMortgages in Cork?
Led by Joey Sheahan, a trusted mortgage expert with over 20 years of experience, MyMortgages offers personalised advice to help you secure the best mortgage deal in Cork. We guide you through every step of the process, avoid common pitfalls, and ensure you’re mortgage-ready. Whether you’re a first-time buyer, switching mortgage providers, or exploring private lenders, MyMortgages is the go-to mortgage broker in Cork for expert, reliable, and tailored mortgage solutions.
Our Cork office at 51 South Mall is open Monday to Friday, and we also offer remote consultations for clients who prefer to work online.
First Time Buyer Mortgages in Cork
Buying your first home in Cork is a significant step and the mortgage process can feel overwhelming without the right support. At MyMortgages.ie, we guide Cork first time buyers through every stage from understanding how much you can borrow to managing your mortgage application and drawdown.
We have access to all the main lenders in the Irish market including Haven, BOI, Avant, PTSB, Nua, Moco, and ICS. Our advisors will compare rates on your behalf and identify which lender is the right fit for your financial situation including Central Bank exemptions and 90% mortgages where available.
Cork first time buyers benefit from:
- Access to the Help to Buy scheme and First Home Scheme
- Expert guidance on Central Bank lending rules and income exemptions
- A clear checklist of documents so your application is ready first time
- A dedicated advisor from first call through to key collection
Ready to take the first step? Call our Cork team on 021 427 7037 or use the callback form above.
Switching Your Mortgage in Cork
If you are on a variable rate or coming to the end of a fixed term, switching your mortgage could save you thousands over the life of your loan. Many Cork homeowners are paying more than they need to simply because they have never been shown the alternatives.
Our mortgage advisors will review your current rate, calculate your potential savings, and manage the full switching process on your behalf including liaising with your existing lender and the new one. There are no upfront fees when you apply through MyMortgages.ie and also arrange your mortgage protection with us.
We regularly secure for Cork switchers:
- Fixed rates significantly below the standard variable rate
- Up to 2% cashback from certain lenders on the full mortgage amount
- Green mortgage rates for properties with a BER rating of B3 or above
Thinking about switching? Call 021 427 7037 or request a callback — we will run the numbers and tell you if it is worth it.
What a fantastic bunch of people to deal with!! All the staff are top class! First contacted MyMortgages 3 years ago for initial mortgage, and sorted life cover also.
Cannot recommend mymortgages.ie enough! The whole team has been absolutely amazing! Fiona done everything to make our process as smooth & as stressless as possible!
Siobhan, Joey and team were fantastic to work with again. While time-consuming, they continued to support and get the switcher mortgage across the line with as little pain as possible. Thanks again for the support.
The team at MyMortgages were great to deal with especially Aileen and Marie who showed so much patience answering the countless questions we had as first time buyers.They helped us every step of the way and although there were a few hiccups they were able to work everything out and we drew down our mortgage. It was especially helpful that they kept track of all the documents needed and were in constant contact with the bank, I don’t know how we would have fared on our own. I would definitely recommend.
Frequently Asked Questions – Mortgage Broker Cork
What types of mortgages do you offer in Cork?
We offer the full range of mortgage products available on the Irish market, including fixed rate, variable rate, and tracker mortgages. Our Cork advisors will compare options across all lenders we work with – including Haven, BOI, Avant, PTSB, Nua, Moco, ICS to find the best fit for your situation.
How much can I borrow for a mortgage in Cork?
The amount you can borrow is based on your income, credit history, and the Central Bank’s lending rules. As an independent broker, we can also explore income exceptions and exemptions that may allow you to borrow above the standard multiples. Call our Cork team on 021 427 7037 to discuss your situation.
What documents do I need to apply for a mortgage?
Commonly required documents include proof of income (pay stubs, tax returns), employment verification, bank statements, identification (driver’s license, passport), and information about assets and debts. Our team will provide you with a comprehensive checklist to ensure a smooth application process.
How long does the mortgage approval process take?
The timeline for mortgage approval can vary depending on factors such as the complexity of your financial situation, the type of mortgage, and the lender’s processing times. Typically, the process takes anywhere from 30 to 45 days, but we strive to expedite it as much as possible.
Do I need to visit your Cork office in person?
No. While our Cork office at 51 South Mall is open Monday to Friday, we work with many clients remotely and handle the full process online. You will have a dedicated advisor throughout.
What if I have a less-than-perfect credit score?
Don’t worry! We work with clients with all types of credit histories. While a higher credit score can lead to better terms and interest rates, we’ll explore all available options to find a solution that fits your needs and helps you achieve your homeownership goals.
Are there any upfront costs or fees associated with getting a mortgage?
No, once you are solely applying through us and are doing your mortgage protection with us.