It’s episode #28 of the Tea & Mortgage podcast with Ireland’s favourite mortgage broker, John Coleman!

In this episode, John and American co-host Norm Schriever go in-depth on the new Flex Mortgage offering from Avant Money.

Dare we say this is a “Tracker Mortgage,” but it’s not the same type of tracker loan that go so many banks in trouble during the worldwide financial reshuffling of 2008. Those tracker mortgages definitely come with bad memories and negative connotations, but this new & improved tracker mortgage – the Flex Mortgage by Avant – is not the same animal.

Instead, you your rate is linked to the 12-month Euribor rate and will be reset each year based on 12-month Euribor market rates. That means it could go up or down, but only once a year, and will be less volatile than your father’s Tracker Mortgage.

Furthermore, you have the flexibility to overpay your mortgage anytime or move to another product with no penalty, but can benefit from a variable rate as low as 3.30%.

In the podcast, we also talk briefly about the movie, The Big Short, about the mortgage meltdown in the United States.

And John shares his review and experience of Michael Jackson the Musical, a theatrical show he recently saw in London.

***
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

In this episode, we focus in on a somewhat rare and seldom used mortgage tool, bridging loans.

For those who aren’t aware, bridging loans are short-term financing solutions designed to provide immediate funds to home buyers or sellers, typically to bridge the gap between the purchase of a new property and the sale of an existing one. They are commonly used in scenarios such as buying a new home before selling the current one, purchasing properties at auctions, or financing property renovations.

They constituted a small portion of total mortgages in times past but after the mortgage meltdown of 2008, completely dried up along with other “exotic” alternative mortgage products,

However, they have seen a resurgence in recent years thanks to ICS Mortgages, who reintroduced bridging loans to the Irish market with their Housing Bridge Loan product as of October 2024.

For most of you, this information will never apply (but it’s still good to be aware of the option).

But for those who find themselves in certain situations between buying and selling, bridging loans are an incredibly powerful tool that provide a perfect stop-gap solution to your financing needs.

As always, enjoy the podcast, thanks for sharing, and please let me know if you’d like any information or help with bridging loans!

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Welcome, everyone to the Tea and Mortgage podcast episode #26! We hope you enjoy these little chats and get some value out of them.

Speaking of which, today we’re going to talk about a recent significant milestone for JC Mortgages, as we just received out 200th Google review!

Not to pay ourselves on the back (pat, pat), but most remarkable is that John Coleman and the entire team at JC Mortgages has an average 5-star rating on Google even after 200 reviews!

So, today we’ll talk about that milestone, why it’s truly a testament to the team and wonderful people working here, and why we focus so much on improving the client experience.

But we’ll also have some fun talking about the one relatively bad review (3-stars) John received, and shout-out JC Mortgages’ recent inclusion on the list as a top-5 mortgage broker in all of Ireland!

Thanks for tuning in, subscribing, and, of course, your wonderful 5-star reviews!

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Welcome to the Tea and Mortgage podcast episode 25…kicking off the new year in 2025! (We promise you we didn’t plan that coincidence.)

As is now the annual tradition, in this episode, mortgage broker John Coleman gives his predictions for the coming year.

So, what will 2025 hold according to John’s crystal ball?

Find out by listening as he gives prognostications on mortgage rates, home prices, buyer demand, tennis and other sport happenings, and more.

He even skillfully dodges predictions about his love life and home décor trends in 2025!

Thanks for tuning in, listening, subscribing, and sharing the Tea & Mortgage podcast this year just like you did in 2024.

- John Coleman
JC Mortgages

☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Tea & Mortgage w/ John Coleman, 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. In this episode, John Coleman.

Since we’re in December and rolling towards the end of 2024 and the start of 2025, John and co-host Norm Schriever are going to recap the predictions he made this time last year for 2024.

John’s prognostications for 2024 included:

• Interest rates
• Property prices in Dublin
• People moving to other parts of Ireland or the outskirts
• Supply and demand
• Bidding wars
• The landscape of mortgage banks in Ireland,
• And more!

John did exceptionally well for his predictions in 2023, so can he follow that up in 2024?

Find out by watching here. And look forward to his 2025 predictions coming in January!

***
Thanks so much for listening and subscribing to the Tea and Mortgage Podcast - if you have any questions, want to avoid these common mistakes, or just want to get the process started please reach out - John will be happy to help.

- John Coleman

JC Mortgages
☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Tea & Mortgage w/ John Coleman, 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.

In this episode, John Coleman talks about most common mortgage and home buying mistakes.

After 20+ years in business helping people obtain a mortgage and buy homes, John Coleman has a whole lot of experience and has helped countless thousands of people along the way.

So, in this podcast, he will share the most common mistakes that he sees people making, whether they are just starting their mortgage journey planning to buy a house in the future or they're in the middle of looking at properties and negotiating.

These all-too-common pitfalls can cost them money, cost them stress, heartbreak if they lose the house that they love, and certainly cost them a lot of time.

Some of these common mistakes include what's going in and coming out of bank accounts, the timing of contacting a mortgage broker and the home buying process, and even negotiating tactics where they're essentially negotiating against themselves for the home they want.

To top it off, John and co-host norm Schriever talk about John's love of the sport squash, how he picked it up later in life, and how now he's an avid squash player now, which allows him to get out of the house and get away from the desk, keeping him sane and healthy!

Thanks so much for listening and subscribing to the Tea and Mortgage Podcast - if you have any questions, want to avoid these common mistakes, or just want to get the process started please reach out - John will be happy to help.

- John Coleman,
JC Mortgages

☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

In this podcast, mortgage broker John Coleman and co-host Norm Schriever talk about the state of Artificial Intelligence in the mortgage business in 2024, following up on their AI-in-mortgage episode a year earlier.

John and Norm talk about advancements, putting the use of AI in perspective, and how it’s a valuable tool – but not at all an omniscient solution that is replacing human interaction.

In fact, AI done properly just smooths out inefficiencies and delays, allowing more time to spend 1-on-1 with clients for better customer service and the human touch.

John also reveals the HUGE artificial intelligence platform that he’s worked on for more than a year, allowing a seamless, lightning-fast paperwork flow for his clients, ultimately giving then a competitive advantage.

As always, thanks for listening, subscribing, and joining us for this 22nd episode of Tea & Mortgage podcast!

See you next month!

- John Coleman,
JC Mortgages

☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie

Just coming back from his recent whirlwind trip to New York City, John talks about taking in US Open tennis matches and seeing his idol, Novak Djokovic.

John then covers his quick return to Ireland to see the iconic band, Coldplay in concert.

Back to business, in this podcast, we also talk about invaluable strategies for bidding on a property in Ireland. If you’re currently looking at homes in Ireland or just starting the process, it’s crucial that you understand the bidding process.

Armed with these tactics gleaned from 21+ years in the mortgage business, you’ll have the upper hand on getting the property you love at a price that’s favorable.

Of course, when it comes to information, help, or more assistance with negotiations or anything else with the property buying process, John Coleman is here at your service.

Most of all, that includes getting you ready and approved for a great mortgage.

As always, thanks for listening, subscribing, and joining us for this 21st episode of Tea & Mortgage podcast!

See you next month!

- John Coleman,
JC Mortgages

☎️ 01-8102032
📲 086 3970039
📩 john@jcmortgages.ie
💻 www.jcmortgages.ie