JA Financial
4 Raheny Shopping Centre, Howth Road, Raheny, Dublin 5
JA Financial is a Raheny Shopping Centre-based Dublin 5 broker run by Jimmy Ambrose QFA, with around 30 years in financial services, offering mortgage, protection, pensions, and investment advice with the majority of business coming from client referrals.
About JA Financial
JA Financial — Ambrose Financial Services Ltd trading as JA Financial — operates from 4 Raheny Shopping Centre on the Howth Road in Dublin 5, a visible high-street location in the heart of Raheny village. Principal Jimmy Ambrose has been working in Irish financial services since 1986, when he joined EBS Building Society; he has been a Qualified Financial Advisor (QFA) since 2003. The firm is regulated by the Central Bank of Ireland.
JA Financial is distinctive in that over 90% of its business comes from existing client referrals — a reliable signal of the consistency of advice and service the practice delivers. Mortgage advice covers first-time buyers, clients refinancing or switching lender, and applicants preparing for property negotiations — with practical help on bidding strategy and how to present an application to lenders. The firm notes experience helping clients secure finance in periods when banks were tightening lending criteria, which is a useful capability for self-employed or non-standard applicants today.
For buyers across Raheny, Killester, Kilbarrack, Artane, and the wider Dublin 5 area, the local shopping-centre office means face-to-face meetings are genuinely accessible — a meaningful alternative to fully online brokers for clients who prefer that. Alongside mortgages, JA Financial offers life assurance, mortgage protection, serious illness cover, income protection, pensions and retirement planning, and investment advice, making it possible to handle multiple financial planning needs through a single trusted adviser.
The registered office at 72 All Saints Road, Raheny, and the Raheny Shopping Centre location reflect long-standing roots in the community. For buyers who value a small, continuous advisory relationship with a QFA who has personally seen multiple Irish property cycles, JA Financial is a verifiable and well-regarded option.
Specialties & Services
- First-time buyer
- Refinance
- Switcher
- Protection
- Pensions
- Investment
Frequently asked questions about JA Financial
How do I contact JA Financial?
You can contact JA Financial by phone on +353 85 851 1935, by email at [email protected], or through their website at https://jafinancial.ie. Their office is located at 4 Raheny Shopping Centre, Howth Road, Raheny, Dublin 5. 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 JA Financial serve?
JA Financial is based in Raheny, Dublin 5, and regularly advises clients across Raheny 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 JA Financial work with first-time buyers?
Yes. JA 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 JA Financial help me switch my mortgage?
Yes — JA 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.
Does JA Financial arrange buy-to-let or investment mortgages?
Yes — JA Financial 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 JA Financial?
An initial meeting with JA 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 JA 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 JA 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 JA Financial affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with JA 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 JA Financial have a website?
Yes — you can visit JA Financial's website at https://jafinancial.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.