In this episode of Tea & Mortgage, John Coleman of JC Mortgages explores what it really means to buy property and secure a mortgage in Ireland as a non-Irish national.

With around 1 in 5 people in Ireland born outside the state — and that figure now closer to 23–25% nationally (and over 26% in Dublin) — more people than ever are navigating the Irish property and mortgage system without an Irish background.

John breaks down how the process works for foreign nationals, tackling common myths, misunderstandings, and pitfalls that can trip up buyers along the way. He also shares practical steps to help listeners start planning, organizing their finances, and positioning themselves strongly before they begin their property journey.

Beyond the numbers and paperwork, this episode also touches on the emotional and mental side of buying in Ireland — from uncertainty and frustration to confidence and clarity.

Whether you’re a recent arrival, a long-term resident, or simply curious about how mortgages work for non-Irish buyers, this conversation offers clear, honest, and practical insight — all over a cup of tea.

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As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Every January on the Tea & Mortgage Podcast, we sit down with a cup of tea and chat with John Coleman, who makes his well-informed predictions for the year ahead.

Some land well.
Some miss.
But they always spark good conversation.

In this episode, we’re looking ahead to 2026 and sharing John’s predictions on:
• Home prices – where values could go and why it won’t be the same story everywhere
• Mortgage rates – what borrowers should realistically expect, not just headlines
• Buyer demand – who’s still active, who’s stepping back, and what that means
• Housing supply & inventory – will we finally see more choice, or more of the same?
• Banking speed (or lack of it) – approvals, delays, and whether anything actually improves
• New banks & changes – who’s entering, who’s shifting, and what it means for borrowers

And, as always, we finish with a few non-mortgage predictions from John for the year ahead:
• The World Cup
• Gaelic football
• Concerts & live events
• Travel, and more.

Have a wonderful 2026 – and we’ll circle back in December to see how many of these predictions were on the mark!

***

As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Each year in January, John Coleman makes predictions for the coming year in regards to mortgages, home buying, real estate, and the economy in Ireland.

But he also makes a few prognostications about sports, cultural trends, world events, and more.

Then, in December, we take a look back and tally up how his predictions rang true (or fell flat) – with a bit of good-humoured teasing when he’s wrong.

So, how did John’s predictions do for 2025?

Watch and see if John was right or wrong about property prices, mortgage rates, supply and demand, Wimbledon, Gaelic football, and more for 2025!

(And look forward to John’s predictions for 2026 coming for our next episode in January!)

***
As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie