Mortgage Planning - Financial Planner
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Expert Mortgage Planning to Help You Secure the Best Deal in Ireland

At Financial Planner, we understand that finding the right mortgage in Ireland can feel overwhelming. Whether you’re buying in Dublin, Meath, Kildare, or anywhere in Ireland, our expert team is here to guide you through every step of the process. From first-time buyers to experienced investors, we offer clear, independent advice to help you make informed decisions and secure the best mortgage deal available.
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Mortgage Calculator
Mortgage Guide

Why Tailored Mortgage Planning Matters

Getting a mortgage isn’t just about finding a deal — it’s about finding the right deal for your specific financial situation. We focus on:
  • Understanding your goals, income, and lifestyle needs.
  • Providing tailored advice that supports long-term financial stability.
  • Offering independent comparisons across Ireland’s top lenders.
  • Ensuring mortgage terms align with your future plans.
Whether you’re in Dublin city, rural Meath, or developing a property portfolio in Kildare or beyond, our service is designed to deliver value and clarity.

Our Mortgage Planning Process – How It Works

We’ve broken down the mortgage planning process into six simple steps, so you always know exactly where you stand:

Step 1: Free Consultation

We begin with a free consultation where we assess your financial situation, goals, and eligibility. Our mortgage advisors take the time to understand your needs and ensure that we’re on track to find the most suitable mortgage options for you.

Step 2: Market Search & Rate Comparison

As independent mortgage brokers, we compare mortgage offers from Ireland’s leading lenders. Our mortgage planning service ensures that you get access to the most competitive rates available, which can save you money over the life of your loan.

Step 3: Tailored Mortgage Recommendations

We present you with a list of carefully selected mortgage options, explaining the pros and cons of each. This transparent approach allows you to make an informed decision, knowing that the mortgage you choose aligns with your financial goals.

Step 4: Mortgage Protection Insurance

Mortgage protection insurance is an essential part of securing your mortgage, and we ensure you have the right coverage in place. We take care of the details, including comparing the best policies to offer you full mortgage protection.

Step 5: Application & Approval Process

We handle all the paperwork and liaise with lenders to make the application and approval process smooth and efficient. Our goal is to ensure that your mortgage is approved quickly so that you can move into your new home without unnecessary delays.

Step 6: Ongoing Mortgage Support

Even after your mortgage has been secured, our job is not done. We continue to monitor the market for better rates and alert you to potential savings opportunities. Through switching or refinancing, we ensure that your mortgage remains the best deal available to you.

How Our Mortgage Planning Services Stand Out

What sets us apart is our commitment to providing transparent and independent advice. Unlike other mortgage brokers who may have affiliations with certain lenders, we are fully independent, meaning we work exclusively in your best interests. We compare the mortgage products from a wide range of leading lenders, ensuring that you get the most competitive rates and terms available in the market.
Our team also offers ongoing support throughout the life of your mortgage. Even after your mortgage is secured, we continue to monitor the market for better deals. If you’re able to save through mortgage switching or refinancing, we will notify you and guide you through the process, ensuring you continue to benefit from the most cost-effective solution.

Find the Right Mortgage for Your Needs

No two individuals have the same financial situation, so our approach to mortgage planning is always tailored to your unique needs. Whether you are a first-time buyer, a property investor, or someone looking to switch their mortgage, we offer expert guidance and competitive solutions.

First-Time Buyer Mortgages

  • Expert advice on deposits and government supports.
  • Full guidance on eligibility and loan approval.
  • Step-by-step help through your home buying journey.

Mortgage Switching & Refinancing

  • Reduce monthly repayments by switching to lower rates.
  • Access cashback offers from leading lenders.
  • Save more with strategic refinancing advice.

Buy-to-Let Mortgages

  • Advice for Irish property investors.
  • Help securing competitive investment property rates.
  • Support assessing rental yields and investment potential.

Self-Employed Mortgages

  • Specialist advice for self-employed applicants.
  • Help with income documentation and lender expectations.
  • Access to self-employed friendly lenders across Ireland.

Green Mortgages

  • Secure low-rate mortgages for energy-efficient homes.
  • Save money while supporting sustainability.
  • Available to qualifying homes in Dublin, Meath, Kildare, and nationwide.

Exclusive Mortgage Cashback Offers

Take advantage of limited-time mortgage cashback offers available through Financial Planner:
  • Offer 1: 2% cashback on drawdowns over €300,000 + 2% on monthly repayments until Dec 2030.
  • Offer 2: €5,000 cashback on loans over €250,000 or €3,000 for mortgage switchers.
These deals are available across Ireland and are ideal for buyers in high-demand areas like County Dublin, Meath, and Kildare.

Mortgage Protection Insurance – Essential Cover

Mortgage protection insurance is mandatory in Ireland and ensures your mortgage is covered in case of death. At Financial Planner, we:
  • Compare top Irish providers for the best protection rates.
  • Help set up the right policy from start to finish.
  • Ensure complete compliance and peace of mind before drawdown.
Mortgage Protection Guide
Mortgage Protection Quote

Why Choose Us for Your Mortgage Planning Needs?

We pride ourselves on being a fully independent mortgage advisory firm, trusted by clients across Ireland:
  • Experienced Qualified Mortgage Advisors
  • Access to top lenders and exclusive Irish mortgage deals.
  • Dedicated support for first-time buyers, investors, and self-employed clients.
  • Local knowledge for Dublin, Meath, Kildare and beyond.
  • Continuous support — even after you secure your mortgage.
Warning: If you do not keep up your repayments you may lose your home.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning: The cost of your monthly repayment may increase.
Warning: You may have to pay charges if you pay off a fixed rate loadn early.

Testimonials

The team at Financial Planner made the whole mortgage process incredibly smooth. As a first-time buyer in County Meath, I felt supported every step of the way.
Sarah M.Navan
I switched my mortgage with their help and saved hundreds a month. Their knowledge of the Irish market, especially in County Dublin, was invaluable.
John R.Clondalkin
Client Success
Real advice. Real results. Financial peace of mind.
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Frequently Asked Questions

Do I need to be a first-time buyer to get mortgage planning advice?
Not at all. We work with first-time buyers, home movers, switchers, and property investors throughout Ireland. Our advice is tailored to your stage in the property journey.
Approval time varies by lender, but we typically see approvals within 2–4 weeks. We manage all documentation and follow-ups to keep things moving.
Yes. While the process requires more documentation, we specialise in helping self-employed clients secure mortgages, ensuring income is presented effectively to lenders.
Mortgage switching involves replacing your current mortgage with one that offers better rates. It can lead to significant monthly savings, and we assess if it’s the right move for you.
Absolutely. While we frequently serve clients in those counties, we provide mortgage planning services to individuals and families across all of Ireland.

Get Your Free Mortgage Consultation Today!

Ready to take the first step toward securing your mortgage? Contact us today for a free mortgage consultation, or submit an enquiry, and let our team help you find the best mortgage deal tailored to your needs.
Let's Talk
Logo for FinancialPlanner.ie featuring the initials "FP" in a circle, with the tagline "Smart Planning. Bright Future." in green text.
Financial Planner serves individuals, families, and businesses across Ireland, such as County Kildare, County Meath, and County Dublin.
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