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Dowling Financial

How can we help?

  • Mortgages

    We have successfully helped many people over the years purchase their dream home.

    • First time buyers
    • Switching mortgage
    • Trading up mortgage
  • Pensions

    We have successfully helped many people over the years purchase their dream home.

    • Calculate what you need
    • Tax benefits
    • Retirement plan
  • Savings / Investments

    Manage your money, cope with unexpected expenses and emergencies, afford things you need in the future.

    • First time buyers
    • Switching mortgage
    • Trading up mortgage

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Meet the team

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Testimonials

  • Norita Casey

    Dowling Financial was recommended to us by a friend who told us they are the best available for mortgage advice. And indeed they were! They made a complicated and long-winded journey of buying a home as smooth as possible. Janice was always available to answer every type of question we had. We are now in our dream home over four months and appreciate the support given to us by Dowling Financial. Many thanks!

    13th July 2019

  • Barry M

    Michael and Eimear...thanks so much for all your help on what was a long drawn out stressful process. Your patience, reassurance, knowledge, professionalism and above all your accurate, detailed advice was very much appreciated...would recommend without any hesitation. thanks again, Barry

    29th August 2019

  • Jennifer Ryan

    I cannot recommend Michael and Eimear enough. Both were an absolute pleasure to deal with throughout the process of securing our mortgage. They were friendly, responsive and extremely knowledgeable. Their expertise helped us to secure our dream home for which we are very grateful. I have highly recommended their services to all my family and friends.

    21st October 2019

  • H Lush

    When I was close to losing my home, Michael Dowling helped me get back on track, through his skilful and professional negotiations with the lender bank. Michael was always reassuring and calming through this stressful time. I would recommend him highly.

    18th May 2019

  • Eileen Smith

    I would highly recommend Michael Dowling of Dowling Financial. Michael helped us deal with the bank over a number of years, firstly negotiating Mortgage arrears restructure and later Finalising and closing Accounts. It was a very stressfull time for us but Michael was always available to offer support and nothing was too much trouble. He took the weight off our shoulders.

    14th May 2019

  • Fergal McGuire

    We have used Michael and his team at Dowling Financial on a number of occasions now and will always go back as they are so helpful and knowledgeable. We recently switched mortgage providers and they took the pain out of the application, making it go smoothly and quickly responding to all of our queries at different stages. Michael always gives sound financial advice that is easy to understand and makes you feel valued as a customer. Would highly recommend.

    1st September 2019

  • B Curry

    After a break up, myself and my ex found ourselves in a similar position to a lot of others out there, one of us wanted to keep the house that we had purchased together but the other wanted to move on. We used Dowling Financial to help remove me from the mortgage. We had tried several times in the past but the bank wouldn't budge. From the beginning Michael was positive about the situation and was able to finally get us the result that we wanted. I am delighted with the service and we can both finally move on with our lives.

    15th December 2019

  • Gillian Semple

    We contacted Dowling Financial in relation to organising our first mortgage. We found Janice and Michael to be incredibly professional and well organised. We initially contacted Dowling by telephone and dealt with Janice, we were very nervous and unsure approaching banks. Janice made the process simple and straightforward. She was warm and welcoming and nothing seemed too much trouble. We would have no hesitation in recommending Dowling Financial. Five Stars!

    7th May 2019

  • Eamonn O’Hanrahan

    Michael and his team assisted me in obtaining a mortgage. I found the process to be free of stress. Thanks to his efforts and guidance, everything went as smoothly as possible. I would have no hesitation in recommending his services. He was helpful and approachable at all times.

    5th May 2019

  • BenGra Dubai

    We were put in touch with Janice as we were looking for a mortgage whilst not being resident in Ireland (working abroad). Janice was amazing and managed to arrange a competitive mortgage offer, Janice gave great advise and always responded quickly to emails and any questions we had. I highly recommend Janice and the Dowling Financial team.

    16th October 2019

  • Steven Robinson

    Michael and his assistant Eimear helped us get a non-resident mortgage for our first house in Ireland. As expat residents in a Gulf country, we struggled to obtain certain required documentation and it took some time to get through the lender's approval process, but Michael's steady advice, professionalism and persistence paid off and we are now in our new home! I would highly recommend Michael and the team at Dowling Financial.

    13th February 2019

  • Frank Meehan

    I had a particularly difficult mortgage situation with a bank which i was unable to resolve directly.michael suggested a path which was strategic and well thought out, he carried out the negotiations himself and the outcome was most satisfactory. he is helpful and accessible and his years of experience have conferred on him a wisdom which future clients will surely appreciate

    30th June 2019

  • Matt O

    We are based overseas and Janice has been great in helping us through the steps to gaining mortgage approval. We definitely recommend Dowling Financial!

    3rd February 2019

  • Laura Shaw

    Michael and Eimear were brilliant in helping us secure a mortgage to buy our first home. They made the process easy and stress free. Both Eimear and Michael were readily available to answer any of my questions (no matter how stupid!). They explained everything to me in terms I could understand. I would highly recommend Dowling Financial to anyone looking for advice and support in securing a mortgage. Thanks so much Michael and Eimear. We really appreciate everything you've done. Laura and Chris

    2nd August 2019

  • Vivienne Storan

    Michael and Eimear were incredibly helpful from our very first meeting right through to getting the keys to our new house. As first time buyers, we asked a million questions and needed all of the help we could get.They absolutely guided us through the entire process. We could not have done it without their help and will be forever grateful. Viv and Daragh

    13th September 2019

  • Fran Meggs

    Dowling Financial were instrumental in successful resolving a long drawn out financial property based issue for us. The bank in question was highly uncooperative and left us with little or no options. Michael re-opened the door and persevered in a lengthy iterative process and pushing the behemoth to actually engage. Whereas it was a not a fairytale ending, it was one that was very positive in general and a whole lot better than it would have been without Michael's continued support. Thanks for all the hard work Michael.

    13th October 2019

  • Edel Griffith

    Michael is the ultimate professional. Tells it as it is and doesn't make any false promises. Michael and Eimear were always at the end of a phone or quickly replying on email to answer any questions and set up everything required. I would definitely recommend them.

    11th October 2019

  • Ann Flynn

    We contacted Michael after hearing him on the radio. He was our saving grace. He was very easy to talk to, extremely helpful and understanding of our situation. He helped to resolve our financial difficulties. I would highly recommend him and we are extremely grateful for everything he has done for us.

    1st February 2019

  • Sezai Koc

    Excellent people !! High Level Professionalism. Strongly Recommend them !!

    13th May 2019

  • Ronan Clarke

    Michael went out of his way to ensure that the mortgage bank delivered. He went that extra mile and was instrumental in us getting a house purchase across the line against a tight deadline. Highly recommend.

    28th September 2019

  • Linda Tormey

    Dowling Financial helped me switch my mortgage, something I had struggled to do for many years. Michael and his assistant Eimear were excellent, very professional. They were always contactable and made our dealing with the banks stress free. I can't thank them enough for what they have done for our family in securing a new mortgage for us. I would highly recommend to anyone looking to get a mortgage

    21st May 2019

  • Sam O’Connor

    Michael and his team helped us get a mortgage without his help and guidance we wouldn't have our new home now. I would recommend Dowling financial to anyone Michaels knowledge on mortgages is without doubt second to none.

    11th October 2019

  • Laurence McMahon

    Excellent service provided as my mortgage broker. Made the whole experience much less stressful. Highly recommended.

    16th April 2019

  • Danny Costello

    Michael & Eimear went above and beyond for me in order to get my mortgage. Constant follow up/updates and pushing everything through so quickly was greatly received. Can't thank them both enough for changing my life around. Would recommend to all

    2nd April 2019

  • Ryan McCann

    Dowling Financial does very effective job of taking the stress out of what can be an extremely stressful process. I couldn’t recommend highly enough...

    16th February 2019

  • Niamh Walsh

    Very satisfied with the assistance we received from Dowling Financial in getting our mortgage, they took out all of the hassle of applying for a mortgage ourselves and helped maximise our borrowings. Would highly recommend them to any first time buyer!

    7th August 2019

  • Loana Orban

    I was looking for a mortgage broker and by looking at the reviews I phoned the office. I was dealing with Janice, which from the first moment until we got the keys of our home gave me valuable advice and support. She made the purchase of our first home very hassle free, I didn't need any days off work as she took over everything. I can't recommend Dowling Financial enough, none of my questions was not answered, all the paperwork was done with minimal effort on our side. Thank you Janice for all and I don't have as many good words as I need to express my appreciation for all the work you have done for us!!!

    13th April 2019

  • Kristen Foran

    Dowling Financial deliver a top class service, ensuring attention to detail at all times. It is evident that they put their clients at the heart of all they do and ensure they are provided with the highest standard of service at all times.

    17th March 2019

  • Garret Lawn

    Michael was very professional, helpful and thorough in all our dealings with him. Would highly recommend.

    19th April 2019

  • Alan Laycock

    We used Michael's service whilst switching providers. Everything was arranged by Michael with very little effort on our part. Would highly recommend him for anything mortgage related.

    19th April 2019

  • Stephen Lyons

    We found Michael and his team an absolute pleasure to deal with in helping to secure us a mortgage and in making the application process as smooth as possible. Their knowledge and guidance was very important in helping to understand the best offers available to us

    7th March 2019

  • Ioana Orban

    I was looking for a mortgage broker and by looking at the reviews I phoned the office. I was dealing with Janice, which from the first moment until we got the keys of our home gave me valuable advice and support. She made the purchase of our first home very hassle free, I didn't need any days off work as she took over everything. I can't recommend Dowling Financial enough, none of my questions was not answered, all the paperwork was done with minimal effort on our side. Thank you Janice for all and I don't have as many good words as I need to express my appreciation for all the work you have done for us!!!

    13th December 2019

  • steve k

    The buck stops with Michael and his team.A pleasure to deal with and is top of his profession.If you want a no nonsense look and restructuring of your finances.Stop looking now.. The answer is right in front of you.☺️ #5Star

    13th November 2019

  • Rob Wall

    Michael and his assistant Eimear made going through the mortgage process very easy. Any queries we had were responded to straight away. Both myself and my wife would highly recommend.

    3rd August 2019

  • Thomas Doyle

    I'd been saving for a mortgage and a friend recommended Dowling Financial. On contact Michael provided me impartial sound financial advice which led me to be able to get a mortgage with good rates, and the house that i wanted. Also being a 1st time buyer; Michael also took time to explain and advise on steps throughout the process. My thanks to Michael and Co. it was a stress free experience and felt I was in good hands throughout. I recommend them.

    9th September 2019

  • Jessica Traynor

    Michael and Eimear were efficient, helpful and always quick to respond. The easiest part of our moving experience by a mile! I've already recommended them to a number of friends.

    24th May 2019

  • Alison Mannering

    Highly recommend Dowling Financial. Michael & Eimear could not have helped us more with getting our mortgage. We had been finding it hard and getting half information/help from other companies but as soon as we contacted Michael/Eimear they told us exactly what we needed to do and we got our mortgage approval in no time. Settling nicely in our new home. Thanks again we really appreciate all you did for us. :)

    28th August 2019

  • markywark

    I had a very stressful & serious financial problem that I could not get resolved with anybody, until I was introduced to Michael Dowling. He was extremely professional, knowledgeable and understanding of my situation, which was greatly appreciated. He resolved everything successfully - Cannot recommend his services highly enough. Thanks for everything Michael

    13th December 2019

  • Danny Losty

    I was put in contact with Michael by a friend. From the very start he reassured us that staying in our family home was a priority and he took all the pressure off us by dealing with our bank directly. He was always available to contact both by phone and email. His professionalism shone through right throughout the process leading to a successful result for our family. I recommend Michael very highly

    10th March 2019

  • Deirdre Walsh

    We called on Dowling Finances to help us resolve a serious financial problem. We met Michael Dowling himself, and he could not have been more helpful, sympathetic, knowledgeable and professional. He resolved the issue to our satisfaction. We would highly recommend both himself & his company for financial advice.

    14th May 2019

  • Denise Murphy

    I would highly recommend Dowling Financial Services for any financial queries you may have especially mortgage arrears and account re-structuring. He helped us succeed with re-structuring our mortgage resulting in our financial circumstances becoming managable and stress free once again. Anything I was unsure of he has always helped with...and was always at the end of an email or phone call responding so quickly. We were very lucky to have Michael in our corner and he was with us every step of the way. Thank you for all your help Michael. Denise & Darren.

    13th August 2019

  • Conor Mahon

    Janice at Dowling Financial is extremely helpful, responsive, organised and positive which is exactly what is needed when navigating the process around mortgages and refinancing. Janice helped us manage the process from start to finish and I have to say, she has a knowledge and insight and a way of getting things done that was really helpful for us. Thanks again for all your help Janice, much appreciated. Conor & Jennifer

    17th August 2019

  • Niamh Finn

    Thanks to Michael's knowledge & expertise, and Eimear's patience, diligence & professionalism, we have purchased our new home. Both Michael & Eimear were always available to answer questions in terms we understood. I would have no hesitation in recommending them to others.

    8th July 2019

  • Elaine

    I recently went through Dowling Financial for a self-build mortgage and have to say that Janice was absolutely brilliant. The whole process was very quick and smooth and I was surprised at how quickly it was all processed. Janice was a great support throughout and was always there to calm me down and responded to my emails quickly. I would highly recommend Dowling Financial from my experience and especially Janice for a stress free, seamless application.

    7th November 2019

  • Sarah Brewer

    We contacted Dowling Financial to discuss our trading up options and what were the best mortgage solutions available to us. We dealt with Janice Downing and I have to say she was absolutely fantastic. She was so professional, knowledgeable and put us right at ease as it can be a daunting process! I cannot recommend Dowling Financial enough and if you are looking for any financial advice, mortgages and other, you should look no further. We are now settled into our new family home and delighted.

    26th August 2019

  • Robbie McKiernan

    Complete professionals who make the whole process so much easier. I couldn't reccomrec Dowling Financial enough.

    22nd May 2019

  • Robbie Barber

    I can't thank Michael and Eimear enough. From day one we had a great experience, and without them we would not have been able to buy our home. I couldn't recommend them enough, easy 5 stars

    Robbie Barber

    12th April 2019

  • Geck IRE

    Was a great help to us when buying our home! Would really recommend!

    28th January 2019

  • Ronan Sandford

    Extremely professional and did everything possible to make the process as smooth and progress as quickly as possible for me. Michael and Eimear were very responsive to all queries and were very prompt in answering any questions. I would highly recommend using them.

    23rd June 2019

  • Karen Dorrian

    Myself & my partner have just bought our new home and received the keys today. To get loan approval for our mortgage and new home we went with Dowling Financial. Michael & Eimear were just amazing, they were very patient with us and didn't give up. They done their very best to help us in getting our new house. Always giving us advice & support along the way. Couldn't recommend them enough.

    17th April 2020

  • Nicola Smyth

    We contacted Dowling financial as they were recommended to us by a friend and we are now about to close on our dream home! Initially we had a face to face meeting with Janice and Michael and have been so impressed with their service ever since. They were able to secure a much better mortgage deal for us than we had been able to obtain for ourselves. They have made the process very straightforward and Janice is always available to answer questions promptly. I have already recommended the service to friends who are also impressed. We can highly recommended Dowling Financial.

    19th March 2019

  • Emmett O Gara

    Michael is a gent and a pleasure to deal with. He got us mortgage approval above and beyond what we were hoping for and at a great rate. He and his team are always quick to respond to queries and his knowledge of the financial industry is second to none. He was able to explain all the options available to us in terms we understood. He was available to meet us any time we needed.

    15th September 2019

  • Keith O’Sullivan

    We used the financial services provided by Janice and Michael on a number of occasions to secure mortgage approval for primary principal residences. From relatively straight-forward house purchases to more complex ones, Janice and Michael were always able to secure the approval that best matched our needs. The service they offered was at all times professional, courteous and efficient. We will probably move house once more in the near future and will definitely be seeking the advice and services of Dowling Financial.

    12th September 2019

  • Martina Power

    I have had a very positive experience with Dowling Financial. I had been trying to engage with one of the banks for 12 years, but getting nowhere. It was a very complicated problem and without Michael Dowling, I would never have had it resolved. It took about six months, but we have come to a resolution and I am very pleased with the result.

    23rd July 2019

  • simone mccaughren

    Michael provided me with a very efficient and professional service. He and his colleague Eimear answered all my calls and emails promptly and worked away in the background on my behalf. I completely trusted Michael and he remained friendly, approachable and professional throughout. Thank you for all your great work.

    17th April 2020

  • Emma Hill

    Michael was instrumental in securing us a mortgage for our first home in complicated circumstances. He went above and beyond to do so and kept us in the loop at all times. Both he and Eimear are a pleasure to deal with and are always quick to respond to queries. Thanks again to you both.

    17th April 2020

  • Breda Hughes

    After been refused a mortgage by one of the banks, Dowling Financial were recommended to us. We dealt with both Michael and Janice. They guided us through the process, ensured all our paperwork was in order and minimised delays with the banks. We didn't think it would work out due to one of us already having a property in serious negative equity but Janice was confident that we would be successful with their help. Thanks to Janice and Michael we are now loving our new home.

    27th January 2019

  • Fintan Lawlor

    This is the second time Michael Dowling and his colleagues have arranged a mortgage for me, on both occasions the applications were complicated. The work Michael does is fantastic. Every avenue explored and effort made, without him we would have been lost. I can only strongly recommend his service as I doubt there is a better mortgage adviser in the business.

    2nd December 2019

  • Cliff Cottell

    Michael and Eimear were brilliant when we were applying for our mortgage. They got us what we needed and were always available to answer questions and keep up up-to-date on everything. Would thoroughly recommend them.

    28th May 2019

  • Glen Ryan

    My family is now in our dream home and it's all thanks to Michael & Eimear in Dowling Financial! They were absolutely fantastic throughout the whole process and took care of everything for us. We went through a few banks before we got mortgage approval as we weren't really ready to apply when our dream house came on the market. If we had to apply to each bank separately ourselves we would have gone grey with stress but Michael and Eimear made the process so simple for us and reassured us that everything would work out and it did. I could not recommend them highly enough.

    16th August 2019

Latest news

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  • The changes still needed to tackle the banks’ bad management cultures

    Regulation: Unlike the UK authority, the Central Bank of Ireland does not have competitional law enforcement powers, an issue which deserves to be reconsidered Banking […]

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  • Paul Joyce: Mortgage arrears have been ignored but not solved

    Housing, homelessness, and healthcare have justifiably dominated the election so far. But one aspect of the housing crisis, however, that has received little attention is […]

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  • Home truths: The story of Eoghan and the home hoovers

    The big view on Ireland’s property market Whenever Eoghan Murphy is asked about his unforgettable term as Minister for Housing, one of the first things […]

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  • Typical household wealth has risen to €184,900 – but renters are losing out

    The wealth of households has shot up due to rising property values. But renters have very little wealth, according to figures from the Central Statistics […]

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  • Most people unaware about credit card interest rate they are charged

    The majority of Irish credit card users are unaware of the interest rate they pay, or how it is applied. And even those who say […]

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  • Divorce: what happens to the family home?

    For parting couples with property to divide, it’s complicated. When love leaves the building, what happens to the home? For most, the family home is […]

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  • Frank McDonald: Housing policy a litany of failure

    Current housing policies benefit wide array of monied interests Whoever forms the next government will have to deal with Ireland’s utterly dysfunctional housing sector and […]

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  • First-time buyers drive growth in mortgage values and volumes

    Banking & Payments Federation Ireland publishes figures for fourth quarter of 2019 First-time buyers drove increases in the volume and value of mortgage drawdowns during […]

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  • Housing crisis: What the rest of the world can teach Ireland

    High-densities, smart rental systems and container living – just some of the ideas we could adopt LOW-COST RENT Vienna, Austria Among the most discussed ways […]

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  • Mother (93) has right of residence upheld despite judgment against son

    Any failure to properly provide for Eithne Ryan ‘lies squarely’ with her son, says judge A 93-year-old woman is “perfectly entitled” to continue residing at […]

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  • Housing crisis: Seven solutions to Ireland’s biggest problem

    Cut building costs, incentivise buy-to-rent and overhaul property tax, experts advise ‘The Housing Fix’ is an Irish Times series exploring solutions to Ireland’s housing crisis […]

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  • Fianna Fáil may have just pressed the pause button on the property market

    The party’s new SSIA may cause a significant number of housebuyers to put their plans on hold for an unspecified period The man who is […]

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  • Court approves debt for equity swap insolvency arrangement

    Decision is first to be approved by High Court involving a debt for equity swap The High Court has approved a personal insolvency arrangement (PIA) for a […]

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  • Record €60m debt write-off for former quarry operator gets High Court approval

    A former quarry operator has had a €60m debt write-off approved by the High Court – the largest ever under personal insolvency legislation. Enda Patrick […]

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  • State-backed mortgage scheme hikes interest rates steeply despite bank cuts

    The interest rate on the Government’s Rebuilding Ireland Home Loan product has been increased massively. Rates have shot up by up to 0.75pc at a […]

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  • Home truths: Big time housing promises without taxes are hollow

    What can you get for €16bn these days? Well €16bn is the total amount estimated that Irish people will spend online this year. The Consumer […]

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  • One in 10 mortgage arrears cases involve separated borrowers – BPFI

    Banking lobby group calls for State to introduce measures to help separated borrowers. About one in 10 mortgage arrears cases involve borrowers who are separated, […]

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  • In your pocket: Switching mortgage can bring major savings

    Rates are falling and lenders are keen to offer better deals – it’s easier than you think. Up to 160,000 Irish families are out of […]

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  • Mortgage interest rates dip but remain more than double euro-zone average

    Central Bank statistics show weighted average interest rates on new mortgages was 2.9% in November. Interest rates on mortgages taken by Irish consumers were lower […]

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  • New buyers pay €2,000 a year more than rest of eurozone

    RIP-OFF mortgage rates in this country are costing new home buyers €2,000 a year more than our European neighbours. New figures from the Central Bank […]

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  • Pensions deliver decade-best growth of 20.6% in 2019

    Zurich Life tops peers as funds recover from calamitous end to 2018. Irish pension funds delivered bumper returns in 2019, making it the best year for investment returns in […]

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  • Another year of dysfunction ahead for Ireland’s property market

    Looming general election and UK-EU trade talks add to uncertainty for developers. With the new year now a week old and a raft of predictions […]

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  • Responsible Homeowners Betrayed

      Thousands of responsible homeowners have been betrayed by the sale of their mortgages by PTSB into a bond fund which will be serviced by […]

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  • Revealed: Ireland’s most expensive streets and their €2m plus homes

    Daily growth of €15m in value of housing stock fuelled by new supply rather than increasing prices, writes Wayne O’Connor A leafy Dublin street sandwiched […]

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  • Harsh austerity ‘imposed on Ireland’ by Berlin, says ex-official

    Republic caught in crossfire between Germany and other bailout states   Ireland was hit with unnecessarily harsh austerity measures a decade ago at Berlin’s behest, […]

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  • Value of residential property in Ireland up by 5.3bn euro in last 12 months

    SEVEN HUNDRED AND fifteen properties worth €1 million or more have been sold in Ireland so far this year, according to the latest Wealth Report from […]

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