Dowling Financial
21 Fairview, Dublin 3, D03 K4H0
Dowling Financial is a Fairview-based Dublin 3 mortgage and financial services brokerage founded in 2002 by Michael Dowling QFA, PIP — a founder member of IMAF and a current member of Brokers Ireland's Financial Services Committee.
About Dowling Financial
Dowling Financial — trading as Michael Dowling Mortgage & Financial Services Ltd — operates from 21 Fairview, Dublin 3, on the edge of the North Strand / Ballybough area. Founded in 2002 by principal Michael Dowling after senior roles in Bank of Ireland, Eagle Star, and Gunne Financial Services, this is a small, established practice that has built a strong reputation on consistent one-to-one advice across the full range of mortgage and protection products.
Michael is a Qualified Financial Advisor (QFA) and a Personal Insolvency Practitioner (PIP), regulated by both the Central Bank of Ireland and the Insolvency Service of Ireland. He is a founder member and past President of IMAF (the Independent Mortgage Advisors Federation) and currently serves on the Financial Services Committee of Brokers Ireland — a level of industry involvement that is unusual for a single-principal practice and reflects Dowling Financial's standing in the intermediary community.
For first-time buyers in north-city Dublin, Dowling Financial offers methodical guidance through Help to Buy, the First Home Scheme, approval in principle, and the full application process. Switchers and remortgage clients benefit from Michael's deep understanding of how the Irish lender landscape has evolved — useful context when weighing cashback incentives, break fee costs, and whether a switch is genuinely worthwhile.
A specific area of expertise is arranging mortgages for Irish clients abroad looking to purchase a home in Ireland — a niche where Dowling Financial's experience with non-standard income documentation and cross-border lending criteria stands out. Movers, self-employed applicants, and clients needing mortgage protection, income protection, or pensions advice round out the practice's core offering. Administrator Eimear, with over 15 years in the role, provides continuity of contact throughout each case.
Specialties & Services
- First-time buyer
- Switcher
- Mover
- Refinance
- Protection
- Pensions
Frequently asked questions about Dowling Financial
How do I contact Dowling Financial?
You can contact Dowling Financial by phone on +353 1 853 4102, by email at [email protected], or through their website at https://dowlingfinancial.ie. Their office is located at 21 Fairview, Dublin 3, D03 K4H0. 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 Dowling Financial serve?
Dowling Financial is based in North Strand, Dublin 3, and regularly advises clients across North Strand and the wider Dublin 3 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 Dowling Financial work with first-time buyers?
Yes. Dowling Financial 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.
Can Dowling Financial help me switch my mortgage?
Yes — Dowling Financial lists mortgage switching as one of their specialisms. Switching (sometimes called remortgaging) means moving your existing mortgage to a new lender to secure a better rate, a shorter term, or a cashback offer. A broker can compare your current rate against the full lender panel and handle the application paperwork end to end.
What should I expect at a first meeting with Dowling Financial?
An initial meeting with Dowling Financial 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 Dowling Financial 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 Dowling Financial to confirm their fee structure in writing before you engage them — this is a requirement under Central Bank of Ireland consumer protection rules.
Is Dowling Financial affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with Dowling Financial. 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 Dowling Financial have a website?
Yes — you can visit Dowling Financial's website at https://dowlingfinancial.ie 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.