Looking to secure mortgage approval in Ireland? We understand that getting a mortgage is a significant financial decision, and you may have questions regarding timeline. At Which Mortgage, we provide comprehensive answers and support to help you navigate the entire mortgage application process seamlessly.

Typically, mortgage approval can be as fast as two weeks after we submit your application. However, the exact timeline depends on the volume of applications lenders are processing and how well-prepared your application is. Although you cannot directly control the speed at which the lender processes your application, you can reduce delays by ensuring your finances and paperwork are well-organised.

To kick-start your mortgage application, it's essential to determine how much you qualify for and what your monthly repayments will be. Our mortgage calculators are designed to provide you with the important figures you need to help you effectively plan your homeownership journey.

Choose from our range of specialised mortgage calculators tailored to your specific property needs:

Preparing for your mortgage extends beyond submitting your application. You must ensure that you have sufficient savings for your deposit and other associated fees when purchasing a home. Moreover, demonstrating a consistent savings history to the lender will show that you have responsible financial habits and increases the likelihood of approval.

Being mortgage-ready also involves sticking to your monthly budget, living within your means, and maintaining a healthy financial profile. Lenders carefully scrutinise your bank statements from 3 to 6 months prior to application submission. Developing habits such as limiting credit card or overdraft use demonstrates affordability and creates a positive impression on lenders.

The preparation of your mortgage application significantly impacts the approval timeline. While the lender's processing speed is beyond your control, you can minimise delays by submitting a well-prepared application with all the necessary documentation. To avoid missing any paperwork, we recommend gathering all required documents well in advance. Refer to our mortgage application checklist for an overview of the required paperwork.

Our team of mortgage specialists is readily available to address any inquiries you may have. Schedule a confidential appointment with us today to receive personalised advice and assistance in finding the right mortgage for you. Trust us to guide you through the entire process seamlessly - we'd be delighted to help.