Mortgages
At First Rate Financial Planning, we understand that securing a mortgage is a significant financial commitment. Our experienced advisors provide expert guidance and support for first-time buyers, home movers, refinancers, and property investors. Partnering with all major lenders in Ireland, we offer the best terms and rates tailored to your needs.
Mortgages
At First Rate Financial Planning, we understand that securing a mortgage is a significant financial commitment. Our experienced advisors provide expert guidance and support for first-time buyers, home movers, refinancers, and property investors. Partnering with all major lenders in Ireland, we offer the best terms and rates tailored to your needs.
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First Time Buyers
Buying your first home is an exciting milestone, but it can also be a daunting process.
At First Rate Financial Planning, we specialise in helping first-time buyers navigate the complexities of securing a mortgage. Our experienced advisors are dedicated to providing personalised support from your initial enquiry to the moment you receive your keys. With access to all major lenders in Ireland, we ensure you get the best rates and terms tailored to your unique needs, making your journey to homeownership smooth and stress-free.
Movers
Moving home is a significant life event that comes with its own set of challenges and opportunities.
At First Rate Financial Planning, we understand the complexities involved in trading up, downsizing, or relocating. Our team of experienced advisors is here to provide expert guidance and support throughout the entire process. We work with all major lenders in Ireland to ensure you receive the best mortgage options tailored to your specific needs. Let us help you make your move as seamless and stress-free as possible, so you can focus on settling into your new home.
Switcher
In today’s dynamic financial landscape, switching your mortgage can lead to significant savings and better terms.
At First Rate Financial Planning, we specialise in helping homeowners review their current mortgage arrangements and find more advantageous options. Our experienced advisors will guide you through the entire switching process, ensuring a smooth transition to a new lender with improved rates. With access to all major lenders in Ireland, we are committed to finding the best mortgage solutions tailored to your needs. Trust us to make your mortgage switch seamless and stress-free.
Refinance
At First Rate Financial Planning, we specialise in helping homeowners refinance their existing mortgages to achieve better financial outcomes.
Whether you want to consolidate debt, fund home improvements, or access equity, our experienced advisors provide expert guidance through the refinancing process. We work with all major lenders in Ireland to secure the most advantageous terms and rates tailored to your needs. Trust us to make your refinancing journey seamless and stress-free, ensuring you get the best possible financial solutions.
Buy to Let
Investing in rental property can be a lucrative opportunity, and at First Rate Financial Planning, we are here to help you navigate the Buy To Let mortgage process.
Whether you’re purchasing your first rental property or expanding your portfolio, our experienced advisors provide expert guidance tailored to your investment goals. With access to all major lenders in Ireland, we secure the best mortgage options and rates for your needs. Trust us to make your Buy To Let journey smooth and stress-free, ensuring your investment yields the best possible returns.
What Our Clients Say
Hear from our clients about their experiences and how they found working with First Rate Financial Planning.
Trustindex verifies that the original source of the review is Google.
Raul Martin2026-03-04I wholeheartedly recommend First Rate Services! The team is incredibly skilled and always supportive, making the experience smooth and reassuring. They’re highly efficient and consistently find innovative solutions to overcome any challenge that comes their way.Trustindex verifies that the original source of the review is Google.
Mateusz Piotrowski2026-03-03We couldn’t have chosen a better mortgage broker than First Rate! Kevin, Rachel and Patricia were amazing and incredibly helpful throughout the whole process. Thanks to their support, we were able to collect the keys to our new home. And look at the lovely card we received from them!Trustindex verifies that the original source of the review is Google.
Christopher Suia2026-03-02I recently worked with First Rate Financial Planning on my mortgage, and I couldn’t be happier with the service I received. Kevin, Rachel, and Patricia were incredibly helpful throughout the entire process. As a first time buyer, everything felt overwhelming at the start, but they made the whole experience so much easier and far less stressful. They were always quick to answer any questions I had, explained everything clearly, and guided me through each stage. Their communication was excellent, and I always felt supported. Even small touches, like the card they sent to my new home really showed how much they care about their clients. I’m now settled into my new place, and thanks to their help, everything went smoothly from start to finish. I’ll definitely be recommending them to friends and family. Fantastic service from start to finish. Highly recommend!Trustindex verifies that the original source of the review is Google.
Conor Naylor2026-02-19We couldn’t recommend Kevin and the team highly enough. They were instrumental in helping us buy our first home and were responsive and helpful in navigating the mountain of paperwork along the way.Trustindex verifies that the original source of the review is Google.
Máirín McCabe-Carroll2026-02-17We have worked with First Rate Financial Planning many times and I honestly couldn’t speak more highly. Shay, Cathal and the team have been by our side since we bought our first home many years ago and the kindness, patience and genuine commitment have made them the only team we trust for financial guidance. We have recommended First Rate Financial Planning to many friends over the years and everyone has come back with the same glowing experience. Thank you for everything you do — we look forward to working with you again in the future.Trustindex verifies that the original source of the review is Google.
Joyraj Reddy2026-01-26I had an excellent experience working with Kevin and his team on my mortgage and home purchase. They were incredibly helpful throughout the entire process, answering all my questions, guiding me through each step, and making everything feel smooth and stress-free. Their professionalism and clear communication made a big difference. I’d highly recommend First Rate to anyone looking for a mortgage.Trustindex verifies that the original source of the review is Google.
paul whyte2026-01-23We have worked with First Rate twice now, and both times we have found them to be absolute life savers. Navigating the logistical and admin heavy nightmare that is a mortgage transfer, while juggling parenting and maintaining your day job is just not something I can ever claim to be mentally equipped to do well. Kevin and the team at First Rate honestly make it almost too easy. If you have a question, you generally get a reply within the hour and if you are confused about some financial concept you haven't come across before, they break it down in a way that is easily understandable. They have a path to the end of any problem that you bump into, and a vast wealth of experience and expertise to draw from. This is a no brainer. Highly recommend.Trustindex verifies that the original source of the review is Google.
Emily Riondato2026-01-22We had an excellent experience working with Kevin and the team at First Rate. He was hugely helpful and responsive during the entire house purchasing process, giving additional support and recommendations when we hit a few snags in the road. He really went above and beyond during this time, answering all of our questions and giving excellent advice. We were able to clear these hurdles and purchase our home largely thanks to him and the team - really couldn’t have done it without them. Would highly recommend First Rate to anyone looking to buy.Trustindex verifies that the original source of the review is Google.
michael Barnes2025-12-19Thanks so much to Des and his team for helping us buy our forever home. really cant fault 1st rate mortgages , been there every step of the way. took the time to outlay what we needed and was with us all the way. thanks againTrustindex verifies that the original source of the review is Google.
G B2025-12-18We had a fantastic experience with Des at First Rate Mortgages. He was incredibly helpful from start to finish, always available to answer questions and explain things clearly. The whole process would have been far more stressful without his guidance — honestly, we couldn’t have done it without him. His professionalism, knowledge, and genuine support made a huge difference, and we felt confident every step of the way. We would highly recommend Des to anyone looking for a reliable and supportive mortgage broker.
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Warning: If you do not keep up your repayments, you may lose your home.
Warning: The payment rates on this housing loan may be adjusted by the lender from time to time.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term
