Which Mortgage

29/05/2026

Government supports could save first-time buyers thousands 🏡💶

From the Help to Buy scheme to the First Home Scheme, knowing what you qualify for can make a huge difference to your deposit and buying power.

Not sure where to start? That’s where we come in.

📞 Book a free discovery call with Which Mortgage
🔗 Link in bio

26/05/2026

Thinking of buying soon? Speak to Which Mortgage before making major financial or career changes.

📞 Book your free discovery call
🔗 Link in bio



Which Mortgage is regulated by the Central Bank of Ireland 🇮🇪

22/05/2026

Thinking about buying a home in 2026? Getting “mortgage ready” early can make the process much smoother 🏡

With lenders closely reviewing spending habits, savings patterns, and existing debts, preparation matters more than ever.

A few key things that can strengthen your application:
✔ Show consistent savings every month
✔ Avoid missed payments, overdrafts, or gambling transactions
✔ Reduce unnecessary subscriptions and short-term debt
✔ Keep your accounts organised and easy for lenders to review
✔ Understand your borrowing power before house hunting

Many buyers focus only on the deposit - but lenders also want to see strong financial habits and stability.

At Which Mortgage, we help you prepare properly before applying, explain what lenders are looking for right now, and guide you through every step of the process.

📞 Book a free discovery call
🔗 Link in bio

20/05/2026

Another happy homeowner! 🏡

We don’t just do mortgages - we build trust. Visit our website to book a free consultation 📞

08/05/2026

🏡Thinking about buying a home in Ireland?
Let’s have a look at the figures:

First time home buyers can get a mortgage of up to 4 times gross annual income or 90% of the property price, whichever is less. This is within the Central bank of Ireland lending rules. Might be possible to get more than 4 x Income up to 90% LTV if needed with a mortgage exception.

👉For example, a couple with a combined annual pre-tax income of €112,500 (each have salaries of 56,250) can potentially qualify for a mortgage to buy a house for €500,000.

Here’s a quick summary:
For a €500,000 home, you’d need a 10% deposit of €50,000

Plus a single or joint annual household income of €112,500
(you can include regular variable pay like bonus, commission and overtime)

💰€112,500 X 4 = 450,000 + 50,000 = €500,000

Important Note: This is just a simple example. Your actual ability to borrow will depend heavily on your income, savings and other financial factors such as your credit rating, debts, and overall financial health. It is mportant to seek advice from a professional.

Ready to explore your home buying options? or need clarity on your buying budget? Link in BIO to get started.

Which Mortgage is regulated by the Central Bank of Ireland 🇮🇪

28/04/2026

Mortgage myths we still hear in 2026



Which Mortgage is regulated by the Central Bank of Ireland 🇮🇪

24/04/2026

6 benefits of using a mortgage broker

📞 Book a free discovery call with Which Mortgage and get clear, personalised mortgage advice.
🔗 Link in bio



Which Mortgage is regulated by the Central Bank of Ireland 🇮🇪

23/04/2026

Six questions you can ask your mortgage broker. Let us guide you with solutions tailored specifically for you!

📩 DM us “HOMEOWNER” — let’s chat about what’s possible for you.



Which Mortgage is regulated by the Central Bank of Ireland 🇮🇪

17/04/2026

Getting ready to apply for a mortgage? 🏡

Here are 4 mistakes buyers make before applying - and how to avoid them:

1️⃣ Taking on new debt
Car finance, loans, or credit cards can reduce what you can borrow.
👉 Tip: Hold off on big purchases until after your mortgage is secured.

2️⃣ Changing jobs too quickly
Lenders prefer stability, especially close to application.
👉 Tip: If possible, avoid switching roles right before applying.

3️⃣ Not checking your credit report
Issues you don’t know about can delay or impact approval.
👉 Tip: Review your credit early and fix any errors.

4️⃣ No clear savings pattern
Lenders want to see consistent saving habits.
👉 Tip: Build a track record - even small, regular amounts help.

Preparation is everything when it comes to mortgages.

Thinking of applying soon? Let’s get you mortgage-ready.

14/04/2026