In Episode #35 of the Tea & Mortgage Podcast, we’re revealing the deeply powerful psychology behind bidding strategies when buying a second-hand home.

If you’ve ever wondered why some offers get accepted instantly while others struggle, this episode breaks down the human side of home buying: how sellers think, what influences their decisions, and how you can position yourself as the most compelling buyer without overspending or stressing yourself out.

John Coleman of JC Mortgages relies on his 20 years of experience and thousands of transactions to document:

☕ Bidding psychology: Why logic rarely drives seller decisions—and what actually does.
🏡 How to make your offer feel “safe” to a seller (emotionally, not just financially).
💡 The subtle cues that strengthen your position, even before the numbers come into play.
🧠 Cognitive biases buyers don’t realize they trigger—and how the right strategy can flip them in your favor.
🤝 The difference between competing… and connecting in a negotiation environment.

Whether you're a first-time buyer, a returning homeowner, or someone trying to decode this unpredictable market, this episode gives you the clarity and confidence you need to approach your next offer strategically and successfully.

Brew your favorite cup of tea and join us for this podcast - your next winning bid might start with understanding how the mind works.

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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

In this episode, John Coleman, one of Ireland’s most experienced mortgage brokers, covers the most common mistakes he sees people making when it comes to getting a mortgage or buying a property.

From not being mortgage-ready early enough to not understanding what the banks want to see on your statements, relying on bad advice, or falling victim to bidding wars unnecessarily, John covers it all here.

He’ll help you understand what the banks really look for, how to avoid delays and disappointments, and how to put yourself in the best position to get approved and end up in the property you love.

So, pour a cup of tea and tune in for real talk, practical tips, and straight answers on the Tea & Mortgage podcast.

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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

In this episode of the Tea & Mortgage Podcast, Irish mortgage broker John Coleman goes in-depth about the difference between first-time buyers and second-time buyers.

The discussion includes these topics and questions:

1. What defines a first-time buyer?

2. What defines a second-time buyer?

3. The differences in terms of financials:
a. First-time buyer - availability of grants, first-time buyer grant, first home scheme, etc....
b. Second-time buyer - possibly equity from previous home, possible increased buying power, accumulated savings, improved credit scores, and increased income

4. Loan terms - a second-time buyer can get better loan terms based on equity from the first home.

5. However, second-time buyers deal with timing constraints, like the need to sell their first property before obtaining the next.

6. First-time buyers have to learn all about the property market, interest rates, LTV, etc. (Mortgage brokers like John can really help here.)

7. Second-time buyers have done this before and have knowledge. Mortgage brokers can support with information on options like Bridging Loans and comparing mortgage lenders for the best interest rates, etc.

8. To avail of government schemes, for first-time buyers, if more than one buyer, do both have to be first-time buyers?

9. If I inherit a property, am I still deemed a first-time buyer? OR classed as a second-time buyer?

10. Is it easier to get a mortgage as a second-time buyer?

Thanks for tuning in, subscribing, and sharing the Tea and Mortgage Podcast!

And if you’re ready to buy a property and get a mortgage, please contact John:

***

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