Mortgages

From start, to keys

Let your dedicated doddl mortgage advisor  handle everything, at no cost to you – so you can focus on finding that dream place.

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The best mortgage rates in Ireland

Working with all major lenders, we’re able to make sure you’re getting the best mortgage rate on the market. Working with your free doddl advisor, we’ll make sure that your choice suits you today, and into the future.

Rates correct as of today, Wednesday, Apr 24
Rates may change and rate is set at date of mortgage draw down.

VARIABLE

3.75%

Ireland's best variable mortgage rate available today

FIXED

3.45%

Ireland's best fixed mortgage rate available today

LOCK IN

30 years

Ireland's longest fixed term mortgage available today

How to get a mortgage in Ireland, the easy way

Let us guide you through all the steps, from choosing your mortgage provider, getting mortgage approval, all the way to drawing down funds and getting those keys!  We’ll even support you with expert advice on insurance, and recommend a legal partner.

All at no cost to you.

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We work with all major lenders, at no cost to you

It’s not just aboutmortgage rates, it’s about what’s the best fit for you now, and into the future.

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Ireland’s first Home Buyer Helper service

Home buying can be challenging, that’s why we created an in-house property advisory service.

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The Digital Mortgage Experience, DMx

Prepare and apply for your mortgage online, with AI supports and expert advice throughout.

All lenders, one portal

The digital mortgage experience (DMx)

Find out how much you can borrow, get mortgage approval, manage your application, choose your lender, and get expert support from your dedicated advisor all the way to draw down.

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ireland online mortgage tool doddl dmx

Mortgage application steps

All homebuyers are a little bit different, but this isn’t our first rodeo. Let’s get you home.

1.

Tell us a little bit about you

Just the basics – your income, and what kind or property you’re looking to get a mortgage on.

2.

We'll let you know how much you can borrow

Working with all major mortgage lenders, we’ll show you what options are available in clear and human terms.

3.

Get hunting and bidding on your dream place

Confident that you’re good to go, and with your expert advisor just a click or call away.

4.

Go "Sale Agreed" with expert advice

Decide on the best mortgage lender, rate and term for you, with expert advice from a real human through our portal and/or chat. We can even pick up a phone if you’d prefer!

5.

Finish quick with AI and Open Banking

We’ll take care of everything else, all the way through to drawdown and transfer of funds and through sorting your insurance and legals.

6. (optional)

Tell a friend how to doddl it

We’re on a mission to make home owning a whole lot easier. Give the gift of doddl.

See what happy homebuyers across Ireland say about our mortgage services

4.8 out of 5 Google Rating

We’ve helped thousands of Irish customers sort their mortgages, without all the hassle.

I was recommended doddl as a Mortgage Broker and I am so glad I chose them. From start to finish the team have been amazingly helpful and made the long and arduous process of securing a mortgage so easy. They took all the uncertainty out of the process and helped us every step of the way.

I would give them 7 stars if I could.

Niamh O'Shea

August 2023

We had a brilliant experience with doddl and would highly recommend their service to anyone seeking a mortgage in today’s market.

We first contacted doddl in early March 2023, and have now closed our sale and received the keys to our home by mid June 2023. We couldn’t have asked for better. Thank you to the entire doddl team!

James Taylor

July 2023

We couldn’t recommend doddl highly enough for anyone looking for a mortgage. From our initial consultation with Mairead to help from Kevin with mortgage approval, Teresa with Life assurance and Nadia with completion, all the team were so helpful, knowledgeable and quick to reply to any queries. We would have no hesitation in recommending doddl to anyone looking for a mortgage.

David Paredes

September 2023

doddl were amazing to deal with & I recommend their service to everyone. I found the doddl dashboard easy to use and great to track / refer back to uploaded documents. Celly, Catherine, Elaine & Caitriona’s wealth of knowledge is exceptional. Their helpfulness, professionalism and efficiency is first class.

Only for Elaine in Completions, I would not have met the deadline for the lower rate. Thank you!

Kevin Kilbane

September 2023

Mortgage application FAQ

Questions are for answers. Here’s everything you need to know about mortgages.

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How can doddl help?

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!

Do I need to pay doddl?

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. 

What is a mortgage broker?

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.

 

 

How much can I borrow?

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.

Who offers the best mortgage?

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.

What is a mortgage?

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.

Home buying, without the hassle

When it comes to getting a mortgage, there can be a lot of guesswork and jargon. We take away all of that stress and make sure you’re on the road to your perfect home.

Home buying news and insights

We’re the experts the media call on!

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