In today’s episode I’m joined by Sinéad O’Carroll from Finance Solutions to break down the full mortgage process in a clear, practical way.
We talk through what you should have in place before applying, how lenders look at income and repayment ability, why your credit report matters, and why using a broker can save you time and stress.
We also answer the questions you sent in, including:
Borrowing above the purchase price for renovationsHow mortgage exemptions work and who qualifiesSwitching your mortgage when your home’s value has increasedWhat second-time buyers need to know when selling and buying at the same timeBuying far from your workplace when you’re remote or hybridHow banks assess mixed PAYE and self-employed incomeCommon credit report issues and how long they stay on recordIf you’re hoping to buy in 2026, planning to switch, or want to understand how lenders make their decisions, this episode will give you a full roadmap.
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Sponsor: Finance Solutions - experts in mortgages and winners of Best Mortgage Broker at the 2025 Brokers Ireland Awards.