Ray Cooke Financial Services
Getting the right mortgage could save you thousands over the life of your loan. Our expert advisors compare rates from all major Irish lenders to find the perfect match for your circumstances. Whether you’re buying your first home, moving up the ladder, or switching your mortgage, we’ll guide you through every step.
Mortgages, insurance and financial planning
Buying a property is one of the biggest financial commitments you will make in your lifetime. Here at Ray Cooke, we have a separate financial services team who solely looks after clients for the mortgage, insurance and financial planning needs.
We have been providing a brokerage service to clients for over 12 years and our aim is to provide you with the most suitable mortgage while you shop around for your dream home. We deal with several banks and insurance companies and we offer personalized one-to-one service our advisors are on hand to answer any questions you have from the outset right through the day you receive the keys to your new home.
Mortgage Calculator
Get your free property valuation
Navigate the property market with confidence. We specialise in helping first-time buyers access government schemes and secure the best rates.
Your local property experts
Our experienced Mortgage Consultants can meet you in branch or at a time and place that suits you.
Mortgage Team
Our experienced Mortgage Consultants can meet you in branch or at a time and place that suits you.
FAQ
What deposit do I need for a mortgage in Ireland?
First-time buyers typically need a minimum 10% deposit, while second-time buyers require at least 20%. Some exceptions apply for certain schemes.
What’s included in the monthly payment shown?
The calculator shows your principal and interest payments. Remember to budget separately for home insurance, life insurance, and property maintenance costs.
Can I get a mortgage if I’m self-employed?
Yes! Self-employed applicants typically need to provide 2-3 years of certified accounts. Our advisors specialise in securing mortgages for self-employed clients.
How long does mortgage approval take?
Approval in Principle can be obtained within 24-48 hours. Full mortgage approval typically takes 2-4 weeks, depending on your circumstances and documentation.
What’s the difference between fixed and variable rates?
Fixed rates remain the same for a set period (typically 1-5 years), while variable rates can change based on market conditions. Each has advantages depending on your situation.
Do I need life insurance for my mortgage?
Yes, mortgage protection insurance is legally required for most home loans in Ireland, unless you’re over 50 or purchasing an investment property.
