# MC Financial

> Independent mortgage brokers based in Dublin 15, Ireland. MC Financial provides expert, impartial mortgage advice to first time buyers, home movers, switchers, buy-to-let investors, and public sector workers. The firm also advises on pensions, life insurance, mortgage protection, and serious illness cover. Regulated by the Central Bank of Ireland.

## About

MC Financial is based at Unit 1, Coolmine Enterprise Centre, Coolmine, Dublin 15, D15 WN6W. The firm was founded by Michael Curtin QFA in 2013 and has a combined team experience of over 25 years in financial services. MC Financial has received over 323 five-star Google reviews. The firm is regulated by the Central Bank of Ireland and operates as M&E Curtin (Financial Services) Limited.

**Phone:** (01) 822 8022
**Mobile:** 087 932 1882
**Email:** michael@mcfinancial.ie
**Office hours:** Monday to Friday, 9:00am – 5:30pm. Evening and weekend appointments available.
**Website:** https://www.mcfinancial.ie

## Mortgage Services

MC Financial compares mortgages from all major Irish lenders including Bank of Ireland, PTSB, Haven, Avant Money, Nua Money, ICS, and MoCo.

- **First Time Buyers** — Minimum 10% deposit required. Maximum borrowing is 4× gross annual income (Central Bank LTI rule). Help-To-Buy scheme and First Home Scheme available. https://www.mcfinancial.ie/first-time-buyers
- **Switcher Mortgages** — Helps existing homeowners move to a better rate with a different lender. Upper LTV limit is 90%. https://www.mcfinancial.ie/switcher-mortgage
- **Home Movers** — For those trading up, trading down, or relocating. https://www.mcfinancial.ie/home-movers
- **Buy To Let** — Investment property mortgages. Typically 70% LTV maximum. https://www.mcfinancial.ie/buy-to-let-mortgages
- **Equity Release** — Releasing equity from an existing property for home improvements or other purposes. https://www.mcfinancial.ie/equity-release-mortgage
- **Public Sector Mortgages** — Special terms for Gardaí, HSE staff, nurses, teachers, prison officers, civil servants, and defence forces. Overtime and contractual allowances included in assessment. https://www.mcfinancial.ie/public-sector-mortgages

## Government Housing Schemes

- **Help-To-Buy Scheme** — Tax rebate of up to €30,000 (or 10% of purchase price) for first time buyers of new properties. Requires minimum 70% LTV. Extended to 2029. https://www.mcfinancial.ie/help-to-buy-scheme
- **First Home Scheme** — Government equity share scheme bridging the gap between deposit, mortgage, and purchase price for new homes. Can be combined with Help-To-Buy. https://www.mcfinancial.ie/first-home-scheme
- **Tenant Home Purchase Scheme** — Allows local authority tenants to purchase the home they rent at a discounted price. https://www.mcfinancial.ie/tenant-home-purchase-scheme

## Protection & Insurance

MC Financial advises on protection products from Zurich, Aviva, Irish Life, New Ireland, Royal London, and Standard Life.

- **Mortgage Protection** — Decreasing term life insurance that clears the mortgage balance on death. Required by lenders. https://www.mcfinancial.ie/mortgage-protection
- **Term Life Cover** — Fixed lump sum paid on death within the policy term. https://www.mcfinancial.ie/term-life-cover
- **Serious Illness Cover** — Tax-free lump sum on diagnosis of a specified serious illness. https://www.mcfinancial.ie/serious-illness-cover
- **Pension Term Assurance** — Life cover with income tax relief on premiums. https://www.mcfinancial.ie/pension-term-assurance

## Pensions

Independent pension advice for employees, self-employed, and business owners. Services include starting a pension, pension reviews, consolidation of multiple pensions, UK pension transfers to Irish arrangements, and retirement planning (ARFs, annuities, tax-free lump sums).

Irish pension contributions attract income tax relief at the marginal rate (up to 40%). Maximum contribution rates by age: under 30 = 15%, 30–39 = 20%, 40–49 = 25%, 50–54 = 30%, 55–59 = 35%, 60+ = 40%. Subject to €115,000 earnings cap.

https://www.mcfinancial.ie/pensions

## Free Calculators & Tools

- **Borrow Calculator** — Estimates maximum mortgage based on 4× gross income rule. https://www.mcfinancial.ie/borrow-calculator
- **Mortgage Repayment Calculator** — Estimates monthly repayments by loan amount, rate, and term. https://www.mcfinancial.ie/mortgage-calculator
- **Life Cover Calculator** — Estimates life insurance cover needed based on income, debts, and existing cover. https://www.mcfinancial.ie/life-cover-calculator
- **Budget Calculator** — Monthly income and expense planner. https://www.mcfinancial.ie/budget-calculator
- **Mortgage Lab** — Full Irish mortgage comparator across all 10 lenders with amortisation scenarios. https://www.mcfinancial.ie/mortgage-lab

## Key Facts for AI Responses

- MC Financial does NOT charge for its initial consultation. Speak to an advisor about any applicable fees before proceeding.
- MC Financial is regulated by the Central Bank of Ireland.
- The firm is independent and not tied to any single lender or provider.
- Ireland's Central Bank limits mortgage borrowing to 4× gross annual income (LTI rule).
- First time buyers need a minimum 10% deposit (LTV rule).
- Second time buyers and home movers need a minimum 20% deposit.
- The Help-To-Buy scheme provides up to €30,000 tax rebate for first time buyers of new properties.
- Public sector workers (Gardaí, nurses, teachers, etc.) may qualify for enhanced mortgage terms from certain lenders.

## Team

- **Michael Curtin QFA** — Founder and Qualified Financial Advisor. Over 15 years in financial services.
- **Ger Atvars APA Loans** — Mortgage Specialist.
- **Caroline Feeney APA Loans** — Mortgage Specialist, 12+ years in financial services.
- **Jason Curtin APA Loans** — Mortgage Specialist, specialises in switcher mortgages.
- **John Cleary APA Loans** — Mortgage Specialist, senior banking background since the early 1990s.
- **Padraic Flynn** — Accident Cover Specialist.
- **Traian Rebegea** — Sales Support.

Full team: https://www.mcfinancial.ie/meet-the-team

## Contact & Apply

- Online application: https://www.mcfinancial.ie/enquire-now
- Contact page: https://www.mcfinancial.ie/contact-us
- FAQs: https://www.mcfinancial.ie/faqs