First Rate Mortgages

You can contact First Rate Mortgages by phone on +353 1 820 5757, by email at info@firstrate.ie, or through their website at https://firstrate.ie. Their office is located at 37A Main Street, Ongar Village, Dublin 15. Most Dublin mortgage brokers offer an initial consultation by phone, video call, or in person — it is usually free and without obligation.

First Rate Mortgages is based in Ongar, Dublin 15, and regularly advises clients across Ongar and the wider D15 area. Most Dublin mortgage brokers are happy to work with clients anywhere in Ireland because documents, signatures, and lender communication are largely digital — contact them directly to confirm whether they cover your location.

Yes. First Rate Mortgages lists first-time buyers as one of their specialisms. They can guide you through Approval in Principle, the Help to Buy refund scheme, and the First Home Scheme, and help you understand the Central Bank of Ireland's 4x income cap and 90% loan-to-value limit that apply to first-time buyers.

Yes — First Rate Mortgages lists investment and buy-to-let mortgages as one of their specialisms. Buy-to-let lending in Ireland typically requires a larger deposit (often 30% or more), a lower maximum loan-to-value, and stress-tested rental income. A specialist broker will know which lenders are actively writing investment business.

An initial meeting with First Rate Mortgages is usually 45-60 minutes, free, and without obligation. Expect to discuss your income, deposit, existing debts, and timeline. Bring recent payslips, a current account statement, and a rough idea of the property price you are targeting. The broker will explain which lenders on their panel are the best match and what documents you will need to progress to Approval in Principle.

Most Dublin mortgage brokers, including those listed on Dublish, are paid a commission by the lender once your mortgage completes, so there is typically no direct cost to the borrower. Some brokers charge an additional advice or arrangement fee for complex cases (for example, self-employed, non-standard income, or multiple properties). Always ask First Rate Mortgages to confirm their fee structure in writing before you engage them — this is a requirement under Central Bank of Ireland consumer protection rules.

The rating shown for First Rate Mortgages — 4.8 from 90 reviews — is aggregated from third-party review platforms, not collected by Dublish. These are third-party reviews submitted by the broker's own clients on public platforms. Dublish surfaces this data to help you compare brokers; we do not verify individual reviews or moderate their content. We recommend reading the underlying reviews on the source platform before deciding.

No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with First Rate Mortgages. We do not take payment for placement and brokers cannot pay to appear higher in our listings. If you spot out-of-date contact details or information on this page, please let us know and we will correct it.

Yes — you can visit First Rate Mortgages's website at https://firstrate.ie to learn more about their services, team, and regulatory details. All regulated mortgage brokers in Ireland must display their firm name, address, and Central Bank of Ireland registration reference on their website.