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 renovations
• How mortgage exemptions work and who qualifies
• Switching your mortgage when your home’s value has increased
• What second-time buyers need to know when selling and buying at the same time
• Buying far from your workplace when you’re remote or hybrid
• How banks assess mixed PAYE and self-employed income
• Common credit report issues and how long they stay on record

If 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.