Full Circle Financial Services
120 Lower Kilmacud Road, Stillorgan, Co. Dublin, A94 KD37
Full Circle Financial Services is an owner-managed Stillorgan broker on Lower Kilmacud Road, offering mortgage advice for first-time buyers, switchers, movers and investors alongside pensions and protection — regulated by the Central Bank of Ireland (C130136).
About Full Circle Financial Services
Full Circle Financial Services Limited is based at 120 Lower Kilmacud Road in Stillorgan and is regulated by the Central Bank of Ireland under reference C130136. Founding director Michael Russell has more than 25 years in Irish financial services, starting at TSB Bank in mortgage-related roles in 1989 and subsequently heading the mortgage section at Stillorgan broker Power Lynch before establishing Full Circle in 2013. The Stillorgan roots of the firm are deep and locally well-known.
For Stillorgan, Blackrock, Foxrock, Dundrum, Deansgrange, Sandyford and Stepaside clients, Full Circle provides a fully independent mortgage advisory service — first-time buyers, switchers, home movers and buy-to-let investors — with access to the full Irish lender market rather than a single tied agency. The firm's stated philosophy is to treat every enquiry as an advice-led conversation, making sure clients understand the trade-offs between fixed and variable options, term length and stress-test outcomes before committing.
Alongside mortgages, Full Circle handles pensions, investments, mortgage protection, income protection and family life cover. That integrated approach is genuinely useful for DLR borrowers who want one adviser to coordinate the full stack of decisions triggered by a house purchase — from the mortgage itself through to protecting the repayments and planning for retirement.
The office sits a short walk from Stillorgan Village and the N11, making in-person meetings practical for commuter-belt south Dublin clients. With a small team and a founder-led ethos, Full Circle offers a distinctly relationship-driven alternative to the larger national brokerages and online-only specialists that dominate search results in this postcode.
Specialties & Services
- First-time buyer
- Switcher
- Mover
- Investment
- Buy-to-let
- Residential
- Protection
- Pensions
Frequently asked questions about Full Circle Financial Services
How do I contact Full Circle Financial Services?
You can contact Full Circle Financial Services by phone on +353 1 253 0060, by email at [email protected], or through their website at https://fcfinancial.ie. Their office is located at 120 Lower Kilmacud Road, Stillorgan, Co. Dublin, A94 KD37. 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 Full Circle Financial Services serve?
Full Circle Financial Services is based in Stillorgan, Co. Dublin, and regularly advises clients across Stillorgan and the wider Dún Laoghaire–Rathdown 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 Full Circle Financial Services work with first-time buyers?
Yes. Full Circle Financial Services 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 Full Circle Financial Services help me switch my mortgage?
Yes — Full Circle Financial Services 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 Full Circle Financial Services arrange buy-to-let or investment mortgages?
Yes — Full Circle Financial Services 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 Full Circle Financial Services?
An initial meeting with Full Circle Financial Services 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 Full Circle Financial Services 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 Full Circle Financial Services to confirm their fee structure in writing before you engage them — this is a requirement under Central Bank of Ireland consumer protection rules.
Is Full Circle Financial Services affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with Full Circle Financial Services. 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 Full Circle Financial Services have a website?
Yes — you can visit Full Circle Financial Services's website at https://fcfinancial.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.