Mortgage Buddy

Mortgage Buddy Mortgage Buddy is your online mortgage pal. Our job is make it as easy as possible for you to get a

Short answer: You may be able to get Mortgage Approval in Principle, but getting all the way to loan offer while still o...
19/05/2026

Short answer: You may be able to get Mortgage Approval in Principle, but getting all the way to loan offer while still on probation is much less likely.

Here’s the difference:
📌 Approval in Principle = an indication of what you may be able to borrow
📌 Loan Offer = the formal mortgage offer needed before signing contracts

Most lenders won’t issue a full loan offer while you’re still on probation, and they generally won’t make that loan offer conditional on probation ending.

That said, being on probation doesn’t mean you can’t start preparing now.

A lender or broker will usually look at:
✔️ Whether your role is permanent
✔️ How long is left on your probation period
✔️ Your income and affordability
✔️ Your savings / deposit
✔️ Your bank statements and overall financial position

So if your probation ends soon, now is actually a great time to get organised, understand your borrowing position, and be ready to move quickly once it’s complete.

Thinking about buying and not sure where you stand? Comment PROBATION below and we’ll point you in the right direction.

Switching your mortgage might feel like a hassle… but it could save you more than you think.Even a small rate difference...
13/05/2026

Switching your mortgage might feel like a hassle… but it could save you more than you think.

Even a small rate difference can make a big impact over time.

We can review your current mortgage and see if there’s a better option out there, no pressure, just clear advice.

Contact us to get started.
📧 [email protected]

💰 Saving doesn’t have to be complicatedIt’s not about big lump sums… It’s about consistency. Even small amounts each wee...
08/05/2026

💰 Saving doesn’t have to be complicated

It’s not about big lump sums… It’s about consistency. Even small amounts each week can add up to something meaningful by the end of the year.

✔️ €50/week = €2,600
✔️ €100/week = €5,200
✔️ €150/week = €7,800

That’s a deposit, a safety net, or simply peace of mind.

If you’re not sure where to start or want a plan that actually works for you, we’re here to help.

📩 [email protected]

🏠Thinking about whether your income is “enough” to buy your first home?Over the past year, the average successful applic...
06/05/2026

🏠Thinking about whether your income is “enough” to buy your first home?

Over the past year, the average successful applicant earned around €82,000, but that’s only part of the picture. Mortgage approval isn’t just about your salary. Lenders also consider your deposit, existing commitments, spending habits, and overall financial position.

Two people with the same income can end up with very different borrowing power, depending on how their finances are set up.

The only real way to know where you stand is to take a proper look at your numbers and see what’s possible in today’s market.

Email us for expert advice.
📩[email protected]

Getting a mortgage right now feels… confusing? 🤔You’re not alone.Rates are changing, lenders are different, and one smal...
01/05/2026

Getting a mortgage right now feels… confusing? 🤔

You’re not alone.

Rates are changing, lenders are different, and one small decision can cost (or save) you thousands over time.

That’s where we come in.

We break it down, guide you step by step, and make sure you’re getting the right deal, not just any deal.

🌐 mortgagebuddy.ie
📧 [email protected]

Interest rates changed… what does that mean?You’ve probably seen headlines about interest rates…But what does it actuall...
27/04/2026

Interest rates changed… what does that mean?

You’ve probably seen headlines about interest rates…
But what does it actually mean for you?

👉 If rates go up = repayments go up
👉 If rates drop = repayments ease

Even a small change can make a big difference over time.

That’s why choosing the right mortgage matters more than ever.

We compare lenders so you don’t have to.

A lot of people think getting approved is complicated… but it’s actually quite straightforward when you break it down.Ba...
13/04/2026

A lot of people think getting approved is complicated… but it’s actually quite straightforward when you break it down.

Banks aren’t looking for perfection; they’re looking for consistency and affordability.

The earlier you understand this, the easier the process becomes.

If you want to know how you’d look on paper, send us an email, and we’ll guide you through it.

This is one of the biggest myths we hear.People delay buying simply because they assume they need more than they actuall...
09/04/2026

This is one of the biggest myths we hear.

People delay buying simply because they assume they need more than they actually do.

Everyone’s situation is different, but chances are, you might be closer than you think.

If you’re unsure where you stand, pop us an email, and we’ll talk you through it 👍

📩[email protected]

Wishing all our clients a very Happy Easter 🐣A time to slow down, reset, and maybe even start thinking about what’s next...
05/04/2026

Wishing all our clients a very Happy Easter 🐣
A time to slow down, reset, and maybe even start thinking about what’s next.
If that next step includes a new home, we’re here to help make it happen.

3 Mistakes That Delay Mortgage ApprovalGetting mortgage-ready? Here are three things that can slow everything down.1️⃣ M...
01/04/2026

3 Mistakes That Delay Mortgage Approval

Getting mortgage-ready? Here are three things that can slow everything down.

1️⃣ Missing or incomplete documents
Payslips, bank statements, ID… if anything’s missing, it can hold up your application.

2️⃣ Unexplained bank activity
Large lodgements or unusual spending? Lenders will ask questions, and that can delay things.

3️⃣ Changing jobs mid-application
Even a positive move can pause your approval while everything gets reassessed.

The smoother your paperwork, the faster things move.

If you're unsure where you stand, please pop us an email, and we will get back to you.
📧 [email protected]

Buying your first home can feel like a lot…There are loads of steps, new terms, and paperwork; it’s no surprise most peo...
20/03/2026

Buying your first home can feel like a lot…

There are loads of steps, new terms, and paperwork; it’s no surprise most people don’t know where to start.
But honestly, once you’ve got a plan in place, it all starts to feel a lot clearer (and even exciting 🙌)

That’s exactly why we put this together: to show you how it all works, step by step, without overcomplicating it.

One thing we always say…
The earlier you have a chat, the easier the whole process is.
You don’t need to have everything figured out; that’s what we’re here for.

We'll guide you through every step. Contact us to get started.
📧 [email protected]

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