Our motto is 'Mortgages Made Easier'. We will guide and assist you through each step of the process.

A mortgage is one of the biggest financial commitments you will ever make. Flanagan Ford O’Neill strive to make what can be a daunting experience as comfortable as possible. We are here to help you choose the most suitable mortgage to meet your needs. 


We specialize in helping people who are first time buyers, people trading up, people wishing to purchase a property as an investment, people who wish to consolidate loans, those who wish to release equity from their home and those who would like to use their pension to purchase a property.

Our Mortgage Specialist Louis is fully committed to finding you the right mortgage that suits your individual needs and circumstances. His aim is to make your experience as pleasant and stress-free as possible.

Flanagan Ford O’Neill have access to all of the Mortgage Market. We have the knowledge, experience and understanding to find the best Mortgage for you and guide you throughout the whole process.

As Mortgage Brokers we have access to the most competitive rates via our panel of lenders. We can place you with the most suitable lender and the best possible terms to suit your personal circumstances. If you go direct to your bank, they can only offer you their products and rates.

Customers will ask us how much this service costs?  It is free, we are paid by the lender who we secure the mortgage with.


As your mortgage will be one of the biggest financial commitments you will ever make, it is very important that you choose the right professional to guide you through the process. 


Over the past 20 years Flanagan Ford O’Neill have successfully helped thousands of people with their first mortgage, so we are experts in this field!

We will guide you through each step of the process. What to expect:

We will research the market through the agencies that we hold, and find the most suitable product for you based on your income.​ We'll discuss all the variable and fixed rates on offer from each of the lending institutions.


​​We will give you access to an online application form and let you know the list of documents that will be required for the lender.  We then process the application form and supporting documentation for approval.


We will contact you to advise you on the maximum loan amount that we can obtain for you and the best available rate. This will give you the confidence to go shopping for your dream home.


When you have found your dream home we will organize the valuation of the property. [There is a cost for this valuation report]​ We will then arrange for the loan offer to be forwarded to you and your solicitor.


Our financial advisors will be able to assist you with your Mortgage Protection and Building & Contents Insurance. ​


We will keep in touch with the Mortgage Company and your Solicitor throughout to ensure that everything is in place so that you successfully get the keys to your new home.

How Much Can I Borrow?

First time buyers can borrow up to 90% of the purchase price of the property you are purchasing, depending on your circumstances.


You will need to save a regular amount to demonstrate your repayment ability through savings and rent. This should be equivalent or more than your mortgage repayments.

The Deposit

You will need a 10% deposit.  You will also need to allow for stamp duty, solicitors fees, engineers report.

First time buyers can avail of up to €30,000 with the Help To Buy Scheme

The Help to Buy (HTB) incentive is a scheme for first-time property buyers. It will help you with the deposit you need to buy or build a new house or apartment. You must buy or build the property to live in as your home.


A temporary enhancement to the existing HTB scheme for the remainder of 2020 was announced in the July 2020 Stimulus plan. This enhanced HTB relief has been extended to 31 December 2021 in Finance Act 2020.


The enhanced HTB relief provides that where applicants satisfy certain conditions, increased relief is available up to a maximum of €30,000.



A self-build can be very daunting. You will have to deal with builders, engineers, architects, the council, and several others who will have a role to play in building the house.  We are on hand to assist you in securing the necessary finance to turn your dream home into a reality.

For a self build mortgage along with the standard documentation you will have to provide the following additional documents: 


  • House Plans and Specifications

  • Grant of Planning Permission

  • Fixed Price Contract

  • Site Map

How much can I borrow?

You can borrow up to 3.5 times your gross income, depending on your circumstances.

For First Time Buyers you can borrow up to 90% of the site cost plus the cost of construction or 90% of the valuation on completion whichever is lower.

Second Time Buyers can borrow up to 80% of the site cost plus the cost of construction or 80% of the valuation on completion, whichever is lower.

You will also have to prove that you can comfortably afford to repay your monthly mortgage repayments.  


Tess was exceptional to deal with, from the time she took to genuinely understand our needs to her knowledge of what was on offer. She was constantly professional and made sure we were properly informed so we could make choices we were comfortable with. We could not be happier with the service we received and would not hesitate to recommend her to anyone.

- Eoghann & Michelle Sheehan, Sligo

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You will have been through the process before, so you are familiar with the stresses involved in securing mortgage finance.  We can help you research the market for lower competitive rates to help you reduce your monthly repayments and save you interest over the duration of your Mortgage.  

How much can I borrow?

  • You can borrow up to 80% of the value of your Property

  • You can borrow additional money for renovations, education or lifestyle provided you have enough equity in your home.

  • Terms up to 35 years.  Maximum Age up to 70 years.

  • Loan must be fully drawn down at least 1 year with current Lender.



Whether you have outgrown your existing home or you need to relocate for a new job, we can help you to secure a mortgage for your new home.

How much can I borrow?

  • You can borrow up to 80% of the value of the property.

  • You will need a minimum of 20% deposit. This can be equity from the sale proceeds of your existing home.

  • You will also need to allow for Solicitors fees, stamp duty, Estate Agent’s fees, valuation fees and removable expenses.

  • You must prove that you can comfortably repay your new monthly mortgage repayments



Historically, property in Ireland has been a very good investment. Rentals are strong due to increased demand. So, whether you are an experienced investor or just starting out on your investment journey securing the correct mortgage is key. We have access to a wide selection of lenders and are happy to discuss the best option with you.

With a buy to let mortgage depending on if you are going to consider other properties as security you can borrow up to 100%. The lending criteria varies from institution to institution.

You will also have to consider the following additional costs:

  • Stamp duty

  • Survey fees

  • Fit out costs

  • Legal fees

  • Letting agent’s fees

  • Insurance