Smart Mortgages
8 Phoenix Court, Castleknock, Dublin 15
Smart Mortgages in Castleknock brings a detail-oriented approach to residential and first-time buyer mortgages, with particular expertise advising self-employed applicants in west Dublin.
About Smart Mortgages
Smart Mortgages operate from a well-placed Phoenix Court office in Castleknock, serving the residential mortgage needs of Dublin 15 and west Dublin with a focus on getting the details right. Their 4.6-star rating across 45 reviews reflects a professional, diligent practice that takes pride in accurate, well-prepared applications.
The team has developed strong expertise in advising self-employed mortgage applicants — a growing segment in a market increasingly populated by contractors, consultants, and business owners. Self-employed applications require careful structuring: lenders scrutinise income documentation more closely, and the presentation of that information can significantly affect the outcome. Smart Mortgages know how to present certified accounts and Form 11 tax returns so self-employed income is assessed accurately and compellingly.
For first-time buyers, the Castleknock office provides patient, thorough guidance through what is for most people the largest financial decision of their lives. The team explains lender requirements and Help to Buy eligibility, secures approval in principle early, helps identify the most realistic options given your deposit and income, and manages the application process from start to finish.
Residential clients moving or remortgaging benefit from the same rigour. Smart Mortgages take the time to compare your current rate against the available market before making any recommendation — ensuring advice is always grounded in the actual numbers. With offices across Dublin, Smart Mortgages combines local presence with collective expertise.
Specialties & Services
- Residential
- First-time buyer
- Self-employed
Frequently asked questions about Smart Mortgages
How do I contact Smart Mortgages?
You can contact Smart Mortgages by phone on +353 1 820 9000, by email at [email protected], or through their website at https://smartmortgages.ie. Their office is located at 8 Phoenix Court, Castleknock, Dublin 15. 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 Smart Mortgages serve?
Smart Mortgages is based in Castleknock, Dublin 15, and regularly advises clients across Castleknock and the wider Fingal 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 Smart Mortgages work with first-time buyers?
Yes. Smart 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.
Does Smart Mortgages work with self-employed applicants?
Yes. Smart 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.
What should I expect at a first meeting with Smart Mortgages?
An initial meeting with Smart 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 Smart 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 Smart 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 Smart Mortgages come from?
The rating shown for Smart Mortgages — 4.6 from 45 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 Smart Mortgages affiliated with Dublish?
No. Dublish maintains an independent directory of Dublin mortgage brokers and is not affiliated with Smart 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 Smart Mortgages have a website?
Yes — you can visit Smart Mortgages's website at https://smartmortgages.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.