Independent Mortgage Broker · Ireland

Straightforward mortgage advice,
built around first-time buyers.

Graham Shiels helps first-time buyers across Ireland get mortgage-ready — from your first conversation about budgets through to approval and picking up the keys. Independent, whole-of-market advice, explained in plain English.

Get In Touch Try the Calculator

Featured mortgage partner of First Time Buyer's Bible

Graham Shiels, independent mortgage broker

What Graham Helps With

Mortgage Services

Whatever stage you're at — just starting to think about buying, or ready to apply — here's where Graham can help.

01

First-Time Buyer Mortgages

Guidance on affordability, budgeting, and finding a mortgage suited to your situation as a first-time buyer.

02

Approval in Principle

Get an Approval in Principle sorted early, so you can view and offer on properties with confidence.

03

Lender & Rate Comparison

A whole-of-market comparison across Irish lenders — not tied to any single bank.

04

Application & Documentation

Hands-on help preparing, checking, and submitting your mortgage application.

05

Switching & Remortgaging

Advice for existing homeowners weighing up whether switching lenders could work in their favour.

06

Government Schemes

Guidance on schemes available to first-time buyers, including Help to Buy and the First Home Scheme.

Try It Yourself

What Could You Borrow?

A quick, indicative estimate based on standard Irish first-time buyer lending guidelines. Move the sliders to match your own numbers.

€60,000
€25,000

Estimated Borrowing Capacity

€0

Estimated Max Property Price

€0

LoanDeposit

Indicative only, based on Central Bank of Ireland first-time buyer lending guidelines (up to 4× gross income, minimum 10% deposit). Your actual borrowing capacity depends on your lender, credit history and outgoings — get in touch with Graham to get a proper picture of your numbers.

The Process

How It Works

A clear, four-step process from your first message to the keys in your hand.

01

Get in Touch

Reach out to arrange an initial conversation about your situation, goals, and timeline.

02

Know Your Numbers

Review your income, savings, and borrowing capacity to understand what's realistic.

03

Compare & Apply

Explore suitable lenders and rates, then prepare your application together.

04

Approval & Beyond

Support through Approval in Principle, full approval, and on to drawdown.

Common Questions

Frequently Asked Questions

A few of the questions first-time buyers ask most often. Don't see yours? Get in touch.

An AIP is a lender's initial confirmation of roughly how much you could borrow, based on your income and finances. It's not a guarantee, but it lets you view and offer on properties with confidence.
Lenders in Ireland generally use a multiple of your gross income, alongside a review of your outgoings and savings history. Every situation is different — try the calculator above, then get in touch to talk through your numbers.
First-time buyers typically need a deposit of at least 10% of the purchase price, though schemes like Help to Buy and the First Home Scheme can help bridge the gap. We can talk through what applies to you.
Yes — self-employed applicants have different documentation requirements, and it's an area we can help you prepare for properly.
Timelines vary by lender and how quickly documentation comes together, but you'll be kept updated at every stage.

Ready When You Are

Let's Talk About Your Mortgage

Whether you're just starting to think about buying or ready to apply, get in touch and take it from there.

A couple celebrating with the keys to their new home
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  • Independent, whole-of-market advice
  • First-time buyer specialist
  • Featured mortgage partner of FTBB