Mortgages

HomeMortgages

Halpin Wealth and Mortgages

Expert Mortgage Advice
Across All of Ireland

Whether you are buying your first home, moving to your next, switching your mortgage, or investing in property, our qualified mortgage advisors will guide you every step of the way.

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Our Mortgage Services

Mortgages by HWM

We work with all types of mortgage clients across Ireland. Select your situation below to find out more.

First Time Buyer

Get on the property ladder with expert guidance from deposit to keys.

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Second Time Buyer

Trading up, trading down, or relocating, we make your next move simple.

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Refinance / Switcher

Already have a mortgage? We review your rate and find you a better deal.

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Investment / Buy to Let

Building your property portfolio with the right mortgage advice behind you.

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Pension Property

Buy commercial property through your pension in a tax efficient structure.

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Lenders We Work With

ICS Mortgages
Nua Money
Avant Money
Capital Flow
Spry

We search across our lender panel to find the best rate for your situation, which is growing all the time.

Why Use a Broker

Why Use HWM for Your Mortgage?

Using a broker means you have somebody who works entirely on your behalf – comparing a contrasting across numerous lenders to find the right mortgage off for you and your family needs and goals.

  • We Work for You, Not the BankWe compare across the market place to find the most appropriate product and rate for you and your family’s personal situation. There is no bias toward any single lender.
  • One Point of ContactFrom your initial consultation to the drawdown with the bank, you deal with the same advisor throughout. No call centres, no feeling of being passed around.
  • We Handle the PaperworkLiaise with the lender and all third parties such as your solicitor.
  • Mortgage Protection IncludedWe also advise on mortgage protection insurance, requirement from the Central Bank and compare across providers to get you the best price.

Lender Panel Search

We compare across our approved lender panel to find you the most competitive rate available.

Personal Service

One advisor, one relationship, from first call to getting the keys.

Full Application Support

We handle the paperwork and manage the lender on your behalf throughout.

Protection Advice

Mortgage Protection offered alongside your mortgage, one less thing to worry about.

Not sure where to start?

Book a free, no-obligation call and we will talk you through your options.

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The Journey

Your Mortgage Made Simple

We guide you every step of the way — from your first conversation to getting the keys.

Getting Ready
1
Starting your Journey

We begin with a conversation to understand your mortgage goals and how we can best support you in achieving them.

2
Mortgage Consultation

We discuss your options, gather your information, and explain the process ahead.

3
Mortgage Application

We search for the best mortgage options for your situation and submit your application.

Securing Your Mortgage
4
Getting Approved

Once we have your mortgage approval, the search for your new home begins.

5
Appoint a Solicitor

Your solicitor will look after all of the legal work required when buying a new home, including reviewing your letter of offer from the bank.

6
Property Valuation & Engineer's Report

Valuation is required from Bank & Engineers report may be required on the basis of the engineer report

Getting Your Keys
7
Securing Your Cover

You will need mortgage protection and building insurance. The bank requires both to progress your mortgage.

8
Exchange of Contracts

The seller's solicitor will draw up a contract and send it to your solicitor to review.

9
Getting the Keys

You receive your keys and the home is officially yours.

Mortgage Calculator

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These calculations are for illustrative purposes only and do not constitute financial advice. Speak to a qualified financial advisor before making any decisions.

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Got Questions?

Frequently Asked Questions

Most lenders will lend up to 4 times your gross annual income for first-time buyers, and 3.5 times for second-time buyers, subject to Central Bank lending rules. A minimum 10% deposit is required. We will assess your full financial picture and give you a realistic borrowing figure before you approach any bank.
AIP is a written confirmation from a lender that they would lend you a certain amount, subject to full assessment. Most estate agents and sellers require it before accepting a bid. We can help you get an Approval in Principle quickly and from the most appropriate lender for you situation.
A fixed rate locks your repayments for a set period (typically 2-10 years), giving certainty and protection if rates rise. A variable rate can move up or down with the market. We will help you choose the right option based on your circumstances and current market conditions.
Yes, absolutely. Self-employed applicants typically need two to three years of accounts, tax returns such as a Form 11, and evidence of consistent income. If you are a company director taxed through PAYE under Chapter 4, lenders may also consider your salary and the company’s financial performance. We have extensive experience helping self-employed applicants and company directors, so get in touch and we can explain what documents you’ll need.
The Help to Buy (HTB) scheme allows first-time buyers of new build homes to claim back income tax paid over the previous four years, up to 30,000 euros, towards their deposit. The property must be a new build valued at 500,000 euros or less. Check eligibility at revenue.ie.
Yes, mortgage protection is a requirement in Ireland when taking out a mortgage on your primary residence. It pays off your outstanding mortgage if you die during the term. We compare protection policies across providers to get you the best price alongside your mortgage.
In many cases, yes. Switching is particularly worth considering if your fixed rate period is ending, you are on a variable rate, or your property value has increased. We offer a free mortgage review — we will check your current rate, compare across our lender panel, and tell you honestly whether switching makes sense.
From the initial appointment to obtaining an Approval in Principle it may take 1-5 weeks depending on your lender. Once you have an offer accepted the lead time for the completion of the purchase is approximately 8-12 weeks”. Having your AIP in place beforehand means you can move quickly when you find the right property.

Ready to Start Your Mortgage Journey?

Book a free, no-obligation consultation with our mortgage team today.

Book a Free Consultation Start Your Application Call Brian 0873485193

Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. These pages are for information purposes only and do not constitute financial advice.