The Irish Mortgage Market: What Buyers, Switchers and Investors Need to Know

If you would like to get in touch with Sean and his team, you can request an introduction here:

https://askaboutwealth.ie/professionals/mortgage-brokers

In this episode of the Ask About Wealth Podcast, we break down how the Irish mortgage market really works and what borrowers need to know in 2026.

From first-time buyers to switchers and investors, this conversation covers the practical realities behind getting approved, choosing the right lender, and avoiding costly mistakes.

In this episode, we discuss:

- Why using a mortgage broker can give you access to the full market and better outcomes

- The key differences between PAYE, self-employed, and expat mortgage applications

- The hidden costs of a mortgage beyond the interest rate (insurance, fees, structure)

- When and why you should review or switch your mortgage and how much you could save

We also explore how lenders assess income, why limited companies can increase borrowing power, and what current market conditions could mean for interest rates. If you have a mortgage, are planning to buy, or simply want to understand how lending really works in Ireland, this episode will give you a clearer picture of your options.

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