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

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

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

In this episode of the Tea & Mortgage Podcast, Irish mortgage broker John Coleman goes in-depth about the difference between first-time buyers and second-time buyers.

The discussion includes these topics and questions:

1. What defines a first-time buyer?

2. What defines a second-time buyer?

3. The differences in terms of financials:
a. First-time buyer - availability of grants, first-time buyer grant, first home scheme, etc....
b. Second-time buyer - possibly equity from previous home, possible increased buying power, accumulated savings, improved credit scores, and increased income

4. Loan terms - a second-time buyer can get better loan terms based on equity from the first home.

5. However, second-time buyers deal with timing constraints, like the need to sell their first property before obtaining the next.

6. First-time buyers have to learn all about the property market, interest rates, LTV, etc. (Mortgage brokers like John can really help here.)

7. Second-time buyers have done this before and have knowledge. Mortgage brokers can support with information on options like Bridging Loans and comparing mortgage lenders for the best interest rates, etc.

8. To avail of government schemes, for first-time buyers, if more than one buyer, do both have to be first-time buyers?

9. If I inherit a property, am I still deemed a first-time buyer? OR classed as a second-time buyer?

10. Is it easier to get a mortgage as a second-time buyer?

Thanks for tuning in, subscribing, and sharing the Tea and Mortgage Podcast!

And if you’re ready to buy a property and get a mortgage, please contact John:

***

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 #32 of the Tea & Mortgage Podcast, mortgage broker John Coleman walks you through a live demo of the JC Mortgages Mortgage Repayment Calculator, helping you understand exactly what your monthly repayments could look like.

John features both calculators for Mortgage Repayments and How Much Can I Borrow For a Mortgage in Ireland? on his website.

What You'll Learn:

• How to input property value, borrowing amount, loan term, age, and gross salary to get your repayment estimate
• Why the figure shown is an estimate, and how the actual interest rate you secure from a lender greatly affects your real monthly cost
• The benefits of working with JC Mortgages—including access to a broad range of lenders and expert guidance to help you find the best rate for your circumstances

Budgeting effectively is one of the most important steps toward homeownership. With transparency around your mortgage repayments, you can proceed with confidence—knowing the numbers and the factors that could shift them.

Try the calculator yourself here: jcmortgages.ie/calculators/mortgage-calculator

And subscribe to the Tea & Mortgage Podcast for more insights, demos, and tips every month!

***
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

🎙️ The Tea & Mortgage Podcast #31 – Help to Buy Scheme Explained
Hosted by John Coleman | JC Mortgages

Thinking about buying your first home in Ireland? 🏠 You need to know about the Help to Buy Scheme—a government incentive designed to give first-time buyers a financial boost toward their deposit.

In this episode, John breaks down everything you need to know about the Help to Buy (HTB) scheme—from what it is, how it works, and how to apply, to who qualifies and when to get started.

☕ Questions we answer in this episode:
✅ What is the Help to Buy scheme?
✅ How does the Help to Buy scheme work in Ireland?
✅ How and when do you apply?
✅ How is the amount calculated?
✅ Who qualifies and what homes are eligible?
✅ How long does approval last?
✅ What happens if you're building your home?

Whether you're just starting your mortgage journey or actively looking at homes, this episode will help you understand if HTB can give you the head start you need.

🔗 For more expert advice or to chat with John directly, visit: www.jcmortgages.ie

Don't forget to like, subscribe, and share if you find this helpful. And if you've got mortgage questions, leave them in the comments—we might cover them in a future episode

***
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

It’s the Tea and Mortgage Podcast episode number 3-0, and today host John Coleman talks about Ireland’s beloved (but often misunderstood) First Home Scheme.

In this episode filled with valuable information, John will answer these common questions:
1. What is the first home scheme?
2. How can someone apply for first home scheme?
3. How does the first home scheme work?
4. How to find first home scheme houses.
5. How long does first home scheme approval take?
6. How does the first home scheme differ from the help to buy scheme?
7. Which banks offer the first home scheme?
8. And much much more.

So, if you’re thinking of buying a home and starting the mortgage process here in Ireland, you’ll want to tune in for this podcast as well as contact John for a custom mortgage roadmap to help you through every step of the journey.

***
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