Tea & Mortgage w/ John Coleman

In this episode of Tea & Mortgage, John Coleman of JC Mortgages explores what it really means to buy property and secure a mortgage in Ireland as a non-Irish national. 
With around 1 in 5 people in Ireland born outside the state — and that figure now closer to 23–25% nationally (and over 26% in Dublin) — more people than ever are navigating the Irish property and mortgage system without an Irish background.
John breaks down how the process works for foreign nationals, tackling common myths, misunderstandings, and pitfalls that can trip up buyers along the way. He also shares practical steps to help listeners start planning, organizing their finances, and positioning themselves strongly before they begin their property journey.
Beyond the numbers and paperwork, this episode also touches on the emotional and mental side of buying in Ireland — from uncertainty and frustration to confidence and clarity.
Whether you’re a recent arrival, a long-term resident, or simply curious about how mortgages work for non-Irish buyers, this conversation offers clear, honest, and practical insight — all over a cup of tea.

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As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages 
☎️ 01-8102032
📲 086 3970039 
📩 [email protected] 
💻 www.jcmortgages.ie

Every January on the Tea & Mortgage Podcast, we sit down with a cup of tea and chat with John Coleman, who makes his well-informed predictions for the year ahead.

Some land well.
Some miss.
But they always spark good conversation.

In this episode, we’re looking ahead to 2026 and sharing John’s predictions on:
• Home prices – where values could go and why it won’t be the same story everywhere
• Mortgage rates – what borrowers should realistically expect, not just headlines
• Buyer demand – who’s still active, who’s stepping back, and what that means
• Housing supply & inventory – will we finally see more choice, or more of the same?
• Banking speed (or lack of it) – approvals, delays, and whether anything actually improves
• New banks & changes – who’s entering, who’s shifting, and what it means for borrowers

And, as always, we finish with a few non-mortgage predictions from John for the year ahead:
• The World Cup
• Gaelic football
• Concerts & live events
• Travel, and more.

Have a wonderful 2026 – and we’ll circle back in December to see how many of these predictions were on the mark!

***

As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages 
☎️ 01-8102032
📲 086 3970039 
📩 [email protected] 
💻 www.jcmortgages.ie

Each year in January, John Coleman makes predictions for the coming year in regards to mortgages, home buying, real estate, and the economy in Ireland.
But he also makes a few prognostications about sports, cultural trends, world events, and more.
Then, in December, we take a look back and tally up how his predictions rang true (or fell flat) – with a bit of good-humoured teasing when he’s wrong.
So, how did John’s predictions do for 2025?
Watch and see if John was right or wrong about property prices, mortgage rates, supply and demand, Wimbledon, Gaelic football, and more for 2025!
(And look forward to John’s predictions for 2026 coming for our next episode in January!)

***
As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!
- John Coleman
JC Mortgages 
☎️ 01-8102032
📲 086 3970039 
📩 [email protected] 
💻 www.jcmortgages.ie

In Episode #35 of the Tea & Mortgage Podcast, we’re revealing the deeply powerful psychology behind bidding strategies when buying a second-hand home.
If you’ve ever wondered why some offers get accepted instantly while others struggle, this episode breaks down the human side of home buying: how sellers think, what influences their decisions, and how you can position yourself as the most compelling buyer without overspending or stressing yourself out.
John Coleman of JC Mortgages relies on his 20 years of experience and thousands of transactions to document:
☕ Bidding psychology: Why logic rarely drives seller decisions—and what actually does.
🏡 How to make your offer feel “safe” to a seller (emotionally, not just financially).
💡 The subtle cues that strengthen your position, even before the numbers come into play.
🧠 Cognitive biases buyers don’t realize they trigger—and how the right strategy can flip them in your favor.
🤝 The difference between competing… and connecting in a negotiation environment.
Whether you're a first-time buyer, a returning homeowner, or someone trying to decode this unpredictable market, this episode gives you the clarity and confidence you need to approach your next offer strategically and successfully.
Brew your favorite cup of tea and join us for this podcast - your next winning bid might start with understanding how the mind works.

***
As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages 
☎️ 01-8102032
📲 086 3970039 
📩 [email protected] 
💻 www.jcmortgages.ie

In this episode, John Coleman, one of Ireland’s most experienced mortgage brokers, covers the most common mistakes he sees people making when it comes to getting a mortgage or buying a property.

From not being mortgage-ready early enough to not understanding what the banks want to see on your statements, relying on bad advice, or falling victim to bidding wars unnecessarily, John covers it all here.

He’ll help you understand what the banks really look for, how to avoid delays and disappointments, and how to put yourself in the best position to get approved and end up in the property you love. 

So, pour a cup of tea and tune in for real talk, practical tips, and straight answers on the Tea & Mortgage podcast.

***

As always, please contact us if you have any questions about the new Flex Mortgage or need anything at all!

- John Coleman

JC Mortgages 
☎️ 01-8102032
📲 086 3970039 
📩 [email protected] 
💻 www.jcmortgages.ie