Ocean.ie Mortgages
Dublin 7
Ocean.ie Mortgages brings a clear, client-focused approach to residential and first-time buyer mortgages from their Dublin 7 base, helping north inner-city buyers navigate the full home-buying journey.
About Ocean.ie Mortgages
Ocean.ie Mortgages operates from Dublin 7, serving the Phibsborough, Cabra, Stoneybatter, and Smithfield communities with residential mortgage advice that prioritises clarity and genuine client support. Their 4.6-star rating across 40 reviews reflects a practice that takes the time to understand each client's situation before recommending a path forward.
For first-time buyers, the Ocean team provides the kind of grounding that makes an otherwise overwhelming process manageable. That means an honest initial assessment of what you can borrow, a clear explanation of what documentation lenders require, and help structuring your application in the strongest possible way. They work with a panel of lenders and can direct you to the institution most likely to offer both approval in principle and competitive terms, including guidance on Help to Buy where it applies.
Residential clients — whether moving home, remortgaging, or releasing equity — benefit from the same methodical approach. The team reviews your current arrangements thoroughly before recommending any action, ensuring you're only moving if there's a clear benefit to doing so.
Dublin 7 has undergone significant transformation over the past decade, with property prices rising sharply and a younger demographic entering the market. Ocean.ie Mortgages understands the local landscape and offers advice that's rooted in the realities of buying in this part of the city.
Specialties & Services
- Residential
- First-time buyer
Frequently asked questions about Ocean.ie Mortgages
How do I contact Ocean.ie Mortgages?
You can contact Ocean.ie Mortgages by phone on +353 1 868 2900, by email at [email protected], or through their website at https://ocean.ie/mortgages. Their office is located at Dublin 7. Most Dublin mortgage brokers offer an initial consultation by phone, video call, or in person — it is usually free and without obligation.
What areas does Ocean.ie Mortgages serve?
Ocean.ie Mortgages is based in Phibsborough, Dublin 7, and regularly advises clients across Phibsborough and the wider Dublin 1 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.
Does Ocean.ie Mortgages work with first-time buyers?
Yes. Ocean.ie 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.
What should I expect at a first meeting with Ocean.ie Mortgages?
An initial meeting with Ocean.ie 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.
Does Ocean.ie Mortgages charge a fee?
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 Ocean.ie Mortgages to confirm their fee structure in writing before you engage them — this is a requirement under Central Bank of Ireland consumer protection rules.
Where do the ratings for Ocean.ie Mortgages come from?
The rating shown for Ocean.ie Mortgages — 4.6 from 40 reviews — is aggregated from Google, 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.
Is Ocean.ie Mortgages affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with Ocean.ie 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.
Does Ocean.ie Mortgages have a website?
Yes — you can visit Ocean.ie Mortgages's website at https://ocean.ie/mortgages 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.