Mortgage123

15/04/2026

While the agreed sale of PTSB to Austrian bank Bawag may not represent the strongest valuation outcome, it does offer stability that shouldn’t be overlooked. For customers and staff, that means business as usual for now with no sudden changes, no immediate upheaval.

Bawag is likely to retain the PTSB brand and maintain its existing branch network, at least in the near term. For customers and staff alike, this points to a transition that will not be disruptive.

The deal announced on Tuesday to sell PTSB to Austrian bank Bawag will take months to actually implement. In the meantime customers and indeed staff will be completely unaffected.

03/04/2026

🌷🐣 Happy Easter from Mortgage123! 🏡💛
Wishing all our clients, partners, and friends a wonderful Easter filled with joy and precious moments with loved ones.

Enjoy the long weekend and stay safe!
The Mortgage123 Team

05/03/2026

It promises to be an information-filled webinar tonight for anyone looking to get mortgage ready or explore switching their mortgage.

We are delighted to welcome Tara Grant MSc QFA Grant from Jacob Law LLP who will share valuable insights on the legal side of the home-buying process.

If you haven’t registered yet, there’s still time to book your spot. And if you can’t make it live, no worries — simply register and we will send you the webinar recording afterwards.

We look forward to seeing you there!

👉 Book your spot here https://us06web.zoom.us/webinar/register/7017727185406/WN_MVvSvZK9TA-S0B1izUI1Ww

20/02/2026

Mortgage123 is Taking Part in the Milford Hospice 10K Run! 🏃‍♂️🏃‍♀️
Mortgage123 is delighted to be taking part in the Milford Hospice 10K Run on Sunday, 22nd February at 12pm.
We’re proud to support such a vital and much-appreciated service in the Limerick community, helping to raise essential funds for Milford Care Centre and the incredible work they do.
We’re looking forward to joining the crowds on the day — and keeping our fingers crossed for a dry day! 🌤️
If you haven’t already, sign up and come along to support a fantastic cause.

Have you signed up yet? ✅ Secure your spot now by visiting https://eventmaster.ie/event/88KyF7qTV1

17/02/2026

We’re delighted to welcome Aideen McBrearty QFA back to Mortgage123!

Aideen returns to us with a wealth of experience in the mortgage industry and a strong track record of delivering excellent outcomes for clients. As a highly experienced mortgage broker, she brings deep market knowledge, a client-first approach, and a genuine commitment to guiding customers through every step of their mortgage journey — whether they’re first-time buyers, movers, or switching to secure a better rate.

Having worked with us previously, Aideen already understands our values, our culture, and most importantly, our dedication to providing clear, honest, and professional advice. We’re thrilled to have her expertise back on the team as we continue to support clients in an increasingly competitive mortgage market.

It’s also an especially exciting time personally for Aideen, as she recently got engaged — a huge congratulations from all of us!

Welcome back, Aideen — we’re excited for what’s ahead.

20/01/2026

📉 Mortgage Rate War Heats Up in Ireland!

PTSB cuts its fixed-rate mortgage products by up to 0.45% and no changes to its attractive cash back offers. These cuts make many of the bank’s fixed terms more attractive for both new and existing customers and reflect an aggressive pricing strategy to win back market share.

This follows Avant Money’s recent announcement where they cut fixed mortgage rates by up to 0.35% and enhanced cashback incentives up to 2% — moves aimed at strengthening their position in an increasingly competitive landscape.

What’s interesting here isn’t just lower rates, but a shift in lender strategy — with banks now actively competing for mortgage business, offering more choice and potentially better deals for borrowers.

🏡 For prospective buyers and existing homeowners alike, this could mean real savings on mortgages and more bargaining power.
✅ It’s clear: the mortgage rate war in Ireland has started — and borrowers are the potential winners.

PTSB said today it will cut its fixed-rate mortgage products by up to 0.45%.

16/01/2026

🏆 We’re delighted to share that Mortgage123 has been included on the Avant Money Gold Mortgage Brokers Panel for 2026!

Avant Money continues to lead the way in mortgage innovation, offering a diverse range of products to suit every type of borrower — from first-time buyers and home movers to switchers. Their recent move to cut mortgage rates and increase cashback has firmly placed Avant Money at the top of the leaderboard for 2026 so far.

We’re proud to work alongside Avant Money and look forward to continuing our strong partnership throughout 2026 and beyond.

👉 Thinking about buying, moving, or switching your mortgage in 2026? Get in touch with our team to explore your options and secure the best deal for you. https://mortgage123.ie/apply-online/

07/01/2026

🚀 2026 has started with a bang!
ICS Mortgages have increased their mortgage rates, while Avant Money have moved in the opposite direction — cutting rates and increasing their cashback offer to 2%.
The market is moving fast, and staying ahead of the curve matters. Working with a mortgage broker can help ensure you’re getting the best deal available as lenders compete for business.
The competition is on!

ECB interest rates are on hold for now but many believe their next move might be upwards. Indeed ...

08/12/2025

Christmas is just around the corner, and we’re delighted to continue our Christmas Jumper Day tradition at Mortgage123! Once again, we’ll be fundraising in support of the Children's Health Foundation .

What better way to get into the festive spirit than combining a bit of Christmas fun with a great cause? On Friday, 19th December, we’ll be putting on our Christmas jumpers to help raise vital funds for sick children cared for at Children’s Health Ireland hospitals — Crumlin, Temple Street, Tallaght, and Connolly.

Donation link 🔗 https://childrenshealth.enthuse.com/pf/petra-kelly
We warmly invite all our staff, friends, and clients to join us in supporting this important fundraiser. Let’s spread some joy and make a meaningful difference together this Christmas. 🎄💙

07/12/2025

Once you feel ready to embark on your mortgage journey, the next step is to get all documentation organised: 📑

• 6 months bank statements
• Payslips
• Employment summary
• ID and address verification
• Savings statements
• Loan statements

If everything is tidy and available, your application will move fast.

Invite Mortgage123 to be your partner on your mortgage journey. We’ve walked this road thousands of times and know every twist and turn. Let us guide you with confidence.

Mortgage123 Limited trading as Mortgage123 is regulated by the Central Bank of Ireland.

19/11/2025

Using a mortgage broker can make the mortgage process easier, faster, and more cost-effective. Here’s why:

1. Access to More Lenders & Better Rates
Banks only show you their products. A broker compares multiple lenders, helping you find the lowest rates and the best deals for your circumstances.

2. Expert Guidance Through a Complicated Process
Irish mortgage applications involve strict Central Bank rules, extensive documentation, and detailed underwriting. A broker knows exactly what each lender wants — reducing stress and avoiding delays.

3. Stronger Chance of Approval
Every lender has different criteria for income, credit history, employment type, bonuses, dependents, and more.
A broker matches your profile to the lenders most likely to approve you.

4. Tailored Advice for Your Situation
Whether you’re self-employed, a first-time buyer, switching lender, or trying to maximise your borrowing, a broker helps shape your application to show you in the best light.

5. Saves You Time & Paperwork
Your broker handles the comparisons, forms, follow-ups, and communication with the banks — so you don’t have to.

6. Usually Free to You
Most Irish mortgage brokers are paid by the lender after a successful drawdown, meaning no cost to the customer.

7. Support From Start to Keys in Hand
From AIP, to choosing a rate, to managing the final drawdown, a broker guides you end-to-end.

Mortgage123 Ltd. trading as Mortgage123 is regulated by the Central Bank of Ireland.

12/11/2025

You can get stuck waiting for “the perfect time” to buy a house, but in reality, no such thing exists. What does exist, however, is:

🏠📈Continued house price increases across Ireland.
The Central Statistics Office (CSO) reports that the median price of a home for the 12 months to March 2025 was €362,500, up from €164,000 in March 2015 — an increase of about 122% over that decade.

💶🚪Lack of affordable rental properties
If you think buying is hard, try find a decent, affordable place to rent these days. By purchasing now instead of renting, you’ll begin building equity and long-term financial security.

The best time to take your first step onto the property ladder is now.

Mortgage123 Limited trading as Mortgage123 is regulated by the Central Bank of Ireland.