GMC Mortgages
Clontarf, Dublin 3
GMC Mortgages is a Clontarf-based Dublin mortgage broker founded in 1996, holding a perfect 5-star rating across 210 reviews and specialising in first-time buyer, switcher, self-employed, and investment cases.
About GMC Mortgages
Founded in 1996 as General Mortgage Corporation (Irl) Ltd., GMC Mortgages has accumulated nearly three decades of experience on the Clontarf Road — and a perfect 5.0-star rating across over 210 client reviews to show for it. That combination of longevity and flawless feedback is rare in any industry, and it speaks to an advisory team that has consistently put client outcomes above all else.
GMC's expertise spans first-time buyers (including Help to Buy and approval-in-principle preparation), switchers, self-employed applicants, and investment property purchasers. Their experience with self-employed applications is particularly valued — navigating certified accounts, Form 11 tax returns, variable income, and the additional scrutiny lenders apply to non-PAYE borrowers requires both technical knowledge and lender relationships, and GMC has both in abundance.
For switchers, the team analyses your current mortgage terms, benchmarks them against the current market, and identifies whether a remortgage could unlock meaningful savings once any cashback incentives and break fee costs are factored in — often running through the numbers in a way that makes the decision obvious. Their investment property clients benefit from a structured approach to portfolio financing — including rental yield analysis, interest-only options where they fit the strategy, and navigating the 70% LTV cap on buy-to-let — leveraging GMC's deep lender relationships to secure favourable terms.
Beyond mortgages, GMC also advises on life assurance, pensions, income protection, and mortgage protection — making them a natural one-stop shop for anyone who wants their financial affairs handled by a team that has clearly earned its near-mythical five-star reputation.
Specialties & Services
- First-time buyer
- Self-employed
- Switcher
- Investment
Frequently asked questions about GMC Mortgages
How do I contact GMC Mortgages?
You can contact GMC Mortgages by phone on +353 1 833 3555, by email at [email protected], or through their website at https://www.gmcmortgages.ie. Their office is located at Clontarf, Dublin 3. 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 GMC Mortgages serve?
GMC Mortgages is based in Clontarf, Dublin 3, and regularly advises clients across Clontarf and the wider Dublin 5 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 GMC Mortgages work with first-time buyers?
Yes. GMC 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.
Can GMC Mortgages help me switch my mortgage?
Yes — GMC Mortgages 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.
Does GMC Mortgages work with self-employed applicants?
Yes. GMC Mortgages lists self-employed mortgages as one of their specialisms. Self-employed applications typically require two to three years of certified accounts, recent tax returns, and evidence of drawings — a broker who specialises in this area will know which lenders treat self-employed income most favourably.
Does GMC Mortgages arrange buy-to-let or investment mortgages?
Yes — GMC Mortgages lists investment and buy-to-let mortgages as one of their specialisms. Buy-to-let lending in Ireland typically requires a larger deposit (often 30% or more), a lower maximum loan-to-value, and stress-tested rental income. A specialist broker will know which lenders are actively writing investment business.
What should I expect at a first meeting with GMC Mortgages?
An initial meeting with GMC 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 GMC 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 GMC 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 GMC Mortgages come from?
The rating shown for GMC Mortgages — 5 from 210 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 GMC Mortgages affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with GMC 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 GMC Mortgages have a website?
Yes — you can visit GMC Mortgages's website at https://www.gmcmortgages.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.