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:

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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 #32 of the Tea & Mortgage Podcast, mortgage broker John Coleman walks you through a live demo of the JC Mortgages Mortgage Repayment Calculator, helping you understand exactly what your monthly repayments could look like.

John features both calculators for Mortgage Repayments and How Much Can I Borrow For a Mortgage in Ireland? on his website.

What You'll Learn:

• How to input property value, borrowing amount, loan term, age, and gross salary to get your repayment estimate
• Why the figure shown is an estimate, and how the actual interest rate you secure from a lender greatly affects your real monthly cost
• The benefits of working with JC Mortgages—including access to a broad range of lenders and expert guidance to help you find the best rate for your circumstances

Budgeting effectively is one of the most important steps toward homeownership. With transparency around your mortgage repayments, you can proceed with confidence—knowing the numbers and the factors that could shift them.

Try the calculator yourself here: jcmortgages.ie/calculators/mortgage-calculator

And subscribe to the Tea & Mortgage Podcast for more insights, demos, and tips every month!

***
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

🎙️ The Tea & Mortgage Podcast #31 – Help to Buy Scheme Explained
Hosted by John Coleman | JC Mortgages

Thinking about buying your first home in Ireland? 🏠 You need to know about the Help to Buy Scheme—a government incentive designed to give first-time buyers a financial boost toward their deposit.

In this episode, John breaks down everything you need to know about the Help to Buy (HTB) scheme—from what it is, how it works, and how to apply, to who qualifies and when to get started.

☕ Questions we answer in this episode:
✅ What is the Help to Buy scheme?
✅ How does the Help to Buy scheme work in Ireland?
✅ How and when do you apply?
✅ How is the amount calculated?
✅ Who qualifies and what homes are eligible?
✅ How long does approval last?
✅ What happens if you're building your home?

Whether you're just starting your mortgage journey or actively looking at homes, this episode will help you understand if HTB can give you the head start you need.

🔗 For more expert advice or to chat with John directly, visit: www.jcmortgages.ie

Don't forget to like, subscribe, and share if you find this helpful. And if you've got mortgage questions, leave them in the comments—we might cover them in a future episode

***
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