Tea & Mortgage w/ John Coleman

John Coleman of JC Mortgages in Dublin, Ireland
  • 5.0 (22)
  • Education

Ireland’s favourite mortgage broker would like to sit down with you to share a cup of tea and chat about the state of the mortgage and property market. For those looking to buy property and own a home in Dublin or anywhere in Ireland, this casual and fun podcast will provide some invaluable perspective. Along with US expatriate co-host, Norm Schriever, John Coleman of JC Mortgages would like to invite you to tune in, listen, and even submit your questions to Tea & Mortgage podcast! https://www.jcmortgages.ie

  1. Jul 7

    Tea & Mortgage #43: 2026 Government Homebuying Schemes and Grants.

    Thinking about buying your first home in Ireland? 🏡 Wondering what government grants and schemes are available in 2026—and which ones you actually qualify for? In Episode 43 of the Tea & Mortgage Podcast, mortgage broker John Coleman breaks down the latest updates to Ireland's most important home-buying supports, including the Help to Buy Scheme, First Home Scheme, Local Authority Affordable Purchase Scheme, and refurbishment grants. John explains how these schemes really work, who they're designed for, common misunderstandings that could cost buyers thousands of euro, and how to avoid making expensive mistakes before applying for a mortgage. In this episode, you'll learn: ☕ The latest 2026 updates to the Help to Buy Scheme ☕ Changes to First Home Scheme property price limits ☕ How the Local Authority Affordable Purchase Scheme works ☕ Whether you can combine ("stack") different government schemes ☕ The truth about equity sharing and what you'll eventually have to repay ☕ Refurbishment and vacant property grants ☕ Common mistakes first-time buyers make—and how to avoid them Whether you're just starting your home-buying journey or you're ready to apply for a mortgage, this episode will help you better understand the options available and make more informed decisions. If you'd like personalised mortgage advice based on your own circumstances, get in touch with John Coleman and the team at JC Mortgages. 🌐 Website: https://jcmortgages.ie 📧 Contact: https://jcmortgages.ie/contact If you enjoyed this episode, don't forget to: 👍 Like the video  💬 Leave your questions in the comments  🔔 Subscribe for more mortgage tips, property advice, and practical guidance for buyers across Ireland. First Home Scheme: 2026 Regional Property Price Ceilings One of the biggest updates to the First Home Scheme for 2026 is the increase in regional property price ceilings, allowing more first-time buyers to qualify in higher-priced areas. The maximum purchase price depends on where you're buying and whether you're purchasing a house or an apartment.   Location / Local Authority | House Price Ceiling (2026) | Apartment Price Ceiling (2026) Dublin City & Dún Laoghaire-Rathdown | €500,000 | €500,000  Cork City, Galway City, Wicklow & Kildare | €475,000 | €450,000  Meath, Limerick City & County, Waterford | €425,000 | €400,000  All Other Counties (e.g. Donegal, Kerry, Mayo) | €350,000 | €350,000   - John Coleman JC Mortgages  ☎️ 01-8102032 📲 086 3970039  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie

    Tea & Mortgage #43: 2026 Government Homebuying Schemes and Grants.

  2. Jun 4

    Tea & Mortgage #42: AI in Mortgages - Faster Service, Better Client Journeys, and Staying Human

    In this episode of the Tea & Mortgage podcast, John Coleman and Norm discuss how AI is rapidly evolving and how JC Mortgages is using it to improve client experience without replacing human advice.  They share an update on a newly introduced AI phone agent that transparently contacts new leads to send a link and speed up getting clients connected with an advisor, noting mixed reactions but emphasizing authenticity and reputation.  You’ll also hear the state of AI in everyday work described as a “caddy, not the golfer,” best used to eliminate drudge work (a 10-80-10 approach) so professionals can focus on nuanced, human-to-human guidance.  But they also warn against generic “AI slop” from other companies and professionals, talk about faster file review and operational efficiency, and explore broader impacts on jobs, demographics, and society, while expecting continued demand for authentic relationships and in-person connection. *** 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  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie 00:00 Cold Open Banter 00:35 Why This AI Update 01:25 AI Phone Agent Rollout 03:08 Authenticity Over Automation 06:49 AI Ick And Staying Human 08:48 Faster Mortgage Journey 11:43 Humans Still Matter 13:05 Growth With Tech 15:12 Jobs And Skills Shift 18:41 Early Adopter Lessons 22:25 Building Tools Cheaper 24:28 Society And Economic Impact 31:06 Where AI Replaces Work 33:02 Tech Is Good And Bad 34:28 Wrap Up And Contact

    Tea & Mortgage #42: AI in Mortgages - Faster Service, Better Client Journeys, and Staying Human

  3. May 4

    Tea & Mortgage #41: What Happens After You Go Sale Agreed? (Step-by-Step Behind the Scenes)

    You’ve gone sale agreed—great news. But what actually happens next? In this episode, John Coleman of JC Mortgages walks you through the real step-by-step process after going sale agreed in Ireland, so you know exactly what to expect from that point right through to getting your keys. From legal work and mortgage drawdown to surveys, valuations, and timelines - this is the behind-the-scenes breakdown most buyers don’t fully understand (until they’re in it). ☕ In this episode, we cover: What “sale agreed” actually means (and what it doesn’t)The role of your solicitor after going sale agreedMortgage approval, valuation, and loan offerSurveys, snag lists, and potential delaysWhat can go wrong - and how to avoid itTimeline from sale agreed to closing dayIf you’re buying a home in Ireland, this is essential viewing. 📩 Need help with your mortgage?  Visit: https://jcmortgages.ie Or contact us if you have any questions or need anything at all! - John Coleman JC Mortgages ☎️ 01-8102032 📲 086 3970039 📩 john@jcmortgages.ie

  4. Apr 11

    Tea & Mortgage #40: Does it make sense to buy a home right now?!

    In this episode of Tea & Mortgage, John Coleman from JC Mortgages breaks down one of the most common questions buyers are asking today: Does it actually make sense to buy a home right now? 🤔 With rising prices, changing market conditions, and constant headlines, it’s easy to feel unsure about what to do next. In this podcast, John gives a clear, honest perspective on how to think about buying a home in the current market — and whether it’s the right move for you. If you're a first-time buyer or planning your next move, this will help you cut through the noise and focus on what really matters. 👉 Want to understand your options? Visit: https://www.jcmortgages.ie Or contact us if you have any questions or need anything at all! - John Coleman JC Mortgages ☎️ 01-8102032 📲 086 3970039 📩 john@jcmortgages.ie

    Tea & Mortgage #40: Does it make sense to buy a home right now?!

  5. Mar 11

    Tea & Mortgage #39: Examining how the US-Iran war could affect the Irish economy and property market

    In this episode of the Tea & Mortgages podcast, John Coleman discusses the rapidly growing war between the United States (or just Donald Trump) and Iran and how global conflicts can ripple through the world economy. John shares his thoughts on what’s happening, what it could mean for international markets, and how major geopolitical events often influence interest rates, inflation, and economic confidence. More importantly, he explores how these global developments may ultimately affect Ireland’s economy, the Irish mortgage market, and the decisions facing home buyers and sellers in the months ahead. While no one can predict exactly how events will unfold, John offers practical insights and perspective to help Irish homeowners and buyers better understand the potential impact. Grab a cup of tea and join us for a timely conversation connecting global events to the Irish housing market. *** John also highly recommends you read this book 👉 Take Control of Your Business by Eamon O’Sullivan  *** 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  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie

    Tea & Mortgage #39: Examining how the US-Iran war could affect the Irish economy and property market

  6. Feb 12

    Tea and Mortgage #38: Foreigners buying a property in Ireland

    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. *** 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  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie

    Tea and Mortgage #38: Foreigners buying a property in Ireland

  7. Jan 19

    Tea & Mortgage ep# 37: John Coleman makes his predictions for 2026!

    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  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie

    Tea & Mortgage ep# 37: John Coleman makes his predictions for 2026!

  8. 12/10/2025

    Tea & Mortgage Ep# 36: Recapping John Coleman’s predictions for 2025

    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  📩 john@jcmortgages.ie  💻 www.jcmortgages.ie

    Tea & Mortgage Ep# 36: Recapping John Coleman’s predictions for 2025
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Ratings & Reviews

5
out of 5
22 Ratings

About

Ireland’s favourite mortgage broker would like to sit down with you to share a cup of tea and chat about the state of the mortgage and property market. For those looking to buy property and own a home in Dublin or anywhere in Ireland, this casual and fun podcast will provide some invaluable perspective. Along with US expatriate co-host, Norm Schriever, John Coleman of JC Mortgages would like to invite you to tune in, listen, and even submit your questions to Tea & Mortgage podcast! https://www.jcmortgages.ie

Information

  • Creator
    John Coleman of JC Mortgages in Dublin, Ireland
  • Years Active
    2023 - 2026
  • Episodes
    43
  • Rating
    Clean
  • Copyright
    © 2026 Tea & Mortgage w/ John Coleman
  • Show Website
    Tea & Mortgage w/ John Coleman