At doddl we are a team of over 45 mortgage specialists who work in mortgages every day. If you feel overwhelmed and dont know where to start then speak to one of our advisors.

We deal with thousands of mortgages every year both for purchasers and switchers. We work with all major banks and providers in Ireland and offer lowest market rates, Green rates, cashback offers and all flexible terms. 

You dont need to know everything about mortgages because we do!

Our role is to work with you to secure the best mortgage for your personal circumstances. We will look to establish your requirements and needs and look to find the mortgage that best suits you.

Whether you are in research mode planning to make an application in the near future or are ready to progress to get Approval in Principle in place so that you can start house hunting we are here to help.

We work with home purchasers and mortgage switchers. Our aim is to be your mortgage partner throughout the life of your mortgage, working with you to review your mortgage at regular intervals to ensure you do not pay more than you need to.

We dont just do mortgages, we offer life cover, home insurance, a digital conveyancing legal partner, a home buying helper. Our DMx Mortgage Application portal allows you to engage with us anytime, anywhere and your stage in the process is transparent 24/7 via your secure account on our DMx platform.

Our service is always free to you our valued customer, you will never be charged a fee by doddl. We get paid by the provider you choose to take your mortgage or insurance with and really important to note the payment we receive is the same regardless of the mortgage lender.

Our team are normal people who will work to answer any of your questions and will break down the complex mortgage process and support you throughout. Get in touch, we would be delighted to help!

Our service is 100% free of charge to our customers.

Like all brokers, our fee is paid by the lender or insurance provider you choose to take your mortgage or insurance product with.

We receive the same fee regardless of the lender you choose to take your mortgage with and you will get access to lowest market rates, cashback offers, Green rates and flexible terms by taking your mortgage with doddl.  

We work with all major lenders and insurance providers in Ireland. 

Let us take the stress out of securing your mortgage, its what we do. 

A mortgage broker is a person or company who arranges your mortgage with a mortgage lender.

Brokers offer access to multiple lenders and at doddl we offer mortgages for all major lenders and insurance from all major insurance providers. 

We are essentially a distribution channel for the banks so instead of you having to go to each bank individually to understand what they offer, we do that hard work for you. 

Some brokers charge a fee, at doddl we do not. 

As a broker we are regulated by the Central Bank of Ireland and our role is to work on your behalf to find the best mortgage to suit your needs.

If you go to one bank they will only offer you their rates and terms, if you go to doddl we can offer you the rates and terms for all lenders and providers we work with and can advise on which will best suit your needs.

Our aim is to be your mortgage partner throughout your mortgage lifecycle. Always here to help and offer support.

When banks assess a mortgage application they look at three key pillars for lending -

1. Income - banks can allow you to borrow up to 4 times 'allowable income' if you are a first time buyer or 3.5 times if you are a second time buyer. 

Allowable income is taxable income including gross annual basic income, a portion of variable income once proven.

Exceptions are available to go above this 3.5 and 4 times limit and lenders grant exceptions on a case by case basis.

We have full access to all lenders credit policy at doddl so can advice exactly how much each will lend to you.

2. Loan to Value

Irish residents qualify for a loan to value of up to 90% for Irish properties under Central Bank lending rules.

As such you need to have 10% of the proposed purchase price as deposit (plus additional funds for transaction costs such as stamp duty and legal fees).

3. Clear evidence of repayment capacity

Every mortgage lender will need to see that you can afford the proposed mortgage repayment. The banks will take your proposed mortgage rate and 'stress test' the current interest rate at 2% above the actual rate (to allow for rate increases) and they will want to see that you have proven in the last six months that you can afford the proposed stress tested repayments. This can be demonstrated by way of rent currently paid, savings or loans discontinuing.

Your mortgage advisor at doddl will work through each of the above areas of your application with you and ensure we present the best possible case to the bank for approval. Its what we do!

Check out our mortgage calculators to find out how much you can borrow.

If there was one 'best' lender then our job would be very easy!

There are a wide range of mortgages available on the Irish market and rates vary significantly. When we work with a client we will be looking to identify their needs with regard to mortgage level, rate, term, any flexible benefits such as overpayment that may be required plus cashback options. 

Every mortgage application is different and what we look to do is to find the best mortgage for our customers circumstances. 

Circumstances can change over time and so can rates so we would work with our customers on multiple occasions to review their interest rates and financial position and switch mortgage as needed.

A mortgage is a loan given by the bank to a customer or joint customers to buy a property.

The loan is secured on the value of the property.

Repayments are paid monthly on a mortgage and level of repayment depends on the mortgage balance, interest rate and mortgage term.