Your Trusted Mortgage Broker, Anywhere in Ireland. At Harbour View Mortgages we search the whole market to find you the right mortgage — so you can focus on your future.
About Us
Welcome to Harbour View Mortgages — Your Expert Mortgage Broker in Ireland
At Harbour View Mortgages, we understand that securing the right mortgage is one of the most important financial decisions you’ll ever make. As a fully regulated, independent mortgage broker, we search the market on your behalf to find the mortgage best suited to your circumstances — giving you expert, tailored advice at every step, and handling the paperwork so you don’t have to.
Our Services
First-Time Buyer Mortgages
Buying your first home can be overwhelming. We simplify the process, providing expert guidance from start to finish. Learn more about how we can help you understand your options, secure the best rates, and make informed decisions
Remortgaging
Whether you’re looking to save money on your current mortgage or release equity, our remortgaging services are designed to find you the most competitive rates and terms. Discover how we evaluate your situation and offer personalised solutions.
Buy-to-Let Mortgages
Investing in property? We specialise in buy-to-let mortgages, offering advice and support to help you maximise your investment. Find out more about our expertise in market trends and lender requirements, ensuring a smooth transaction.
Self-Employed Mortgages
Securing a mortgage as a self-employed individual can be challenging. We work with a range of lenders who understand the unique financial situations of self-employed clients. Explore how we ensure you get the best possible deal.
Mortgage Protection Insurance
Protecting your mortgage is crucial. We offer comprehensive mortgage protection insurance options to safeguard your investment and provide peace of mind for you and your family. Learn more about our insurance options.
Switcher Mortgages
Thinking about switching your mortgage to get a better deal? Our switcher mortgage services can help you find more favourable terms, lower your interest rate, or take advantage of better features. Discover how we can simplify the switching process and save you money.
Why Work With Us?
- Whole-of-Market Search: We compare mortgages from a wide range of lenders to find the most competitive deal you qualify for.
- Save Time: We do the shopping around for you — one conversation and we handle the rest.
- Independent & Regulated: We’re a regulated mortgage broker working entirely in your best interest, not the lender’s.
- Free, No-Obligation Consultation: Your first consultation with Harbour View costs you nothing.
Blog
What Irish Homebuyers Need to Know About the First Home Scheme in 2026
For first-time buyers in Ireland seeking to unlock homeownership in 2026, the First Home Scheme (FHS) continues to play a pivotal role. This government-backed initiative
How the ECB’s Interest Rate Cuts Could Affect Your Mortgage in Ireland
Irish homeowners, first-time buyers, and property investors have all felt the influence of the European Central Bank’s (ECB) recent interest rate cuts. These changes to
Best Mortgage Broker in Ireland? Why Harbour View Mortgages Comes Out on Top
List of best Mortgage Brokers in Ireland
How to Get a Mortgage in Ireland: Your Complete Guide
Understanding How to Get a Mortgage in Ireland Securing a mortgage in Ireland is a significant step in your journey to homeownership. Whether you’re a
How Much Can I Borrow for a Mortgage in Ireland? | A Comprehensive Guide
Understanding Mortgage Borrowing Limits in Ireland When you’re planning to buy a home in Ireland, one of the most crucial questions is, “How much can
Understanding the Mortgage Application Process in Ireland: A Detailed Timeline
If you have Approval in Principle, this guide will help you with the next steps
Mortgage FAQs
Common questions about getting a mortgage in Ireland with Harbour View Mortgages, your regulated broker.
Is Harbour View Mortgages a regulated mortgage broker?
Yes. Harbour View Mortgages is a regulated mortgage broker based in Dublin, serving clients across Ireland. Our advice is provided by a Qualified Financial Adviser (QFA), and we search the whole market to find the right mortgage for your circumstances. Full details of our regulatory status are available on request.
How much can I borrow for a mortgage in Ireland?
Under the Central Bank of Ireland's mortgage rules, first-time buyers can generally borrow up to 4 times gross annual income, and second and subsequent buyers up to 3.5 times, subject to the lender's assessment. Lenders can exceed these limits for a limited share of lending. As your broker, we confirm exactly what you qualify for.
What deposit do I need to buy a home in Ireland?
Under current Central Bank of Ireland rules, both first-time buyers and second-time buyers need a deposit of at least 10% of the purchase price (a maximum 90% loan-to-value). First-time buyers may be able to fund part of this through the Help to Buy scheme or the First Home Scheme, and we will show you which supports you qualify for.
Can I get a mortgage if I'm self-employed in Ireland?
Yes. Self-employed applicants can get a mortgage in Ireland, typically by providing two to three years of certified accounts and tax returns. Because lenders assess self-employed income differently, working with a broker who knows how to present your figures can widen your options. Harbour View Mortgages specialises in self-employed mortgages.
How much does a mortgage broker cost?
Your first consultation with Harbour View Mortgages is free and no-obligation. As a broker, we are typically paid by the lender when your mortgage completes, so our whole-of-market advice usually costs you nothing. If any fee were ever to apply to your case, we would tell you clearly in advance.
Which areas of Ireland does Harbour View Mortgages cover?
Harbour View Mortgages is based in Dublin and helps clients right across Ireland — including Cork, Galway, Limerick, Waterford and every county. We work both remotely and in person, so you can get expert, independent mortgage advice wherever you are buying.
Mortgage FAQs
Do I need a mortgage broker in Ireland?
A mortgage broker searches the market across multiple lenders to find the mortgage that suits you, handles the paperwork and guides you through approval. It can save you time and money compared with approaching a single bank yourself. Meet Ian, your mortgage broker.
How much does a mortgage broker cost?
At Harbour View your initial consultation is free. Mortgage brokers in Ireland are often paid a commission by the lender rather than by you, and we will always be clear about any fees before you decide to proceed.
How much can I borrow for a mortgage in Ireland?
Under Central Bank of Ireland rules you can generally borrow up to 4 times gross income as a first-time buyer, or 3.5 times as a second-time buyer, at up to 90% loan-to-value. Lenders can exceed these limits for a share of their lending. We confirm your exact figure across the market. Read our full guide: How much can I borrow in Ireland?
How do I get mortgage approval in Ireland?
You will typically need proof of income, recent bank statements, photo ID, proof of address and evidence of your deposit or savings. As your broker we prepare and submit your application to the most suitable lender and manage it through to loan offer.
Which mortgage lenders does Harbour View work with?
As an independent, regulated mortgage broker we compare a wide range of Irish mortgage lenders to find the most competitive deal you qualify for, based on your circumstances.
Contact Us
Ready to find the right mortgage for your needs? Tell us a few details and one of our regulated mortgage advisers will be in touch to search the market and guide you through it — with a free, no-obligation consultation.
