• Our Service
  • Pre Mortgage Planning
  • First Time Buyers
    Our mortgages for first-time buyers are tailored to ensure you have an enjoyable, stress free first-time buying experience.
  • Moving Home
    We offer quick mortgage approval for people moving homes.
  • Remortgage
    ERA Downey McCarthy offers remortgages on homes, so you can invest the money in your new business venture or go on that holiday you always dreamed.
  • Self Build
    If you plan on building your own dream home, then you will probably need to secure a mortgage, we offer financial services, advice and support for every step of the way
  • Investors
    Property has devalued in recent years due to the economy downturn, this is an excellent time to secure finance and begin investing.


  • If you do not keep up with payments, you may lose your home.
  • The cost of your monthly payments may increase.
  • The value of your investment may go down as well as up.
  • This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
  • You may have to pay charges if you pay off a fixed-rate loan early.
  • The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

A Better Choice Ltd. Reg Company Number : 372145. Reg. Office 8 South Mall, Cork. A Better Choice Ltd. t/a ERA Downey McCarthy is regulated by the Central Bank of Ireland.

I can honestly say that I would not have invested in a pension only that you made it so easy. I had been putting off the whole idea for years as you know. Thank you for helping me to sort everything out. I have our annual review marked in my diary for next September already!
Frank Cooke

Talk To Our Experts

Sean McCarthy

Call: 021 490 5000
Mobile: 086-8385768