moneysherpa

What moneysherpa does

Moneysherpa is an Irish online mortgage brokerage operating as Moneysherpa Limited, headquartered in Dundalk, County Louth and regulated by the Central Bank of Ireland as a mortgage credit intermediary. The company provides independent mortgage advice, mortgage switching support, equity release advisory, mortgage protection insurance placement, and an All-In-One Home Buying Service that bundles mortgage advisory with surveyor coordination and solicitor referral (including a partnership with Jacob Law at a fixed price of €1,350 for switching transactions). It targets four primary use cases: first-time buyers (including Help to Buy and First Home Scheme guidance), existing mortgage holders looking to switch for better rates, homeowners aged 55+ seeking equity release via Spry Finance lifetime loans, and customers seeking mortgage top-ups.

The platform is delivered 100% online through moneysherpa.ie and includes a suite of self-service tools (mortgage repayment, affordability, equity release, tracker mortgage, interest rate increase, and Approval in Principle calculators), an online application and document upload flow, and a free advisor call booking system. Distribution channels span organic SEO and content marketing, a 35,000-member Facebook community for home buyers, paid Google and Facebook advertising, email newsletters, a YouTube channel, a Spotify podcast, and a Refer & Earn program. The firm distributes products from essentially all major Irish lenders, including AIB/EBS/Haven, Bank of Ireland, PTSB, Avant Money, ICS, MoCo, Pepper Finance, Start Mortgages, and Spry Finance.

Moneysherpa's revenue model is purely transaction-based: it earns commission from lenders on each completed mortgage (with a 1% commission and 36-month clawback on switcher mortgages) and a flat €500 commission per Spry Finance equity release loan with a tiered clawback structure, plus affiliate referral fees from conveyancing partners. The service is free to consumers. The company is privately held, has 1-10 employees, has not disclosed any external funding, and operates exclusively in the Irish market, where it claims the #1 mortgage broker ranking from Best in Ireland and 2,500+ home buyers helped cumulatively since founding.

Name

moneysherpa

Legal name

Moneysherpa Limited

Website

https://moneysherpa.ie

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Moneysherpa is an Irish online mortgage brokerage providing independent mortgage advice, switching, equity release, and an All-In-One home buying service to Irish consumers, earning commission from major Irish lenders on each completed transaction.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Mortgage brokerage
• Mortgage advice
• Mortgage switching
• Equity release
• First time buyer mortgages

Headquarters

HQ city

Dundalk

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Mortgage Commission: Commission earned for arranging credit/mortgages for consumers. Standard commission model where commission is paid by lenders when customers complete mortgage transactions. For switcher mortgages, 1% commission with 36-month clawback period applies.
2. Equity Release Commission (Spry Finance): Commission of €500 per lifetime loan arrangement for Spry Finance equity release products, with tiered clawback: 100% within 12 months, 66% between 13-24 months, 33% between 25-36 months of settlement.
3. Solicitor/Conveyancing Referral: Referral arrangements with conveyancing partners such as Jacob Law for legal services in the home-buying process.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Moneysherpa is an independent Irish mortgage broker that arranges residential mortgages, mortgage switches, and equity release products for consumers across Ireland through a 100% online advisory platform. Its core offer is an All-In-One Home Buying Service that combines mortgage advice, surveyor coordination and a recommended solicitor (Jacob Law) into a single managed workflow. The service is free to consumers, with revenue earned through commission paid by the lenders when a mortgage completes.

Product overview

Moneysherpa is Ireland's leading mortgage broker offering a comprehensive digital mortgage advisory platform. The core offering is the All-In-One Home Buying Service, which integrates mortgage advisory, surveyor coordination, and solicitor services into a single unified experience. Supporting this are multiple online tools including Mortgage Repayment Calculator, Mortgage Affordability Calculator, Equity Release Calculator, Tracker Mortgage Calculator, and Interest Rate Increase Calculator. The company provides specialized advisory services for First Time Buyers (covering Help to Buy and First Home Scheme guidance), Switcher Mortgage services, and Equity Release Advisory for homeowners over 55. Additional services include Mortgage Protection Insurance placement, Direct Mortgage Booking for advisor appointments, and Online Mortgage Application/pre-approval capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• All-In-One Home Buying Service A comprehensive Irish home-buying service combining mortgage advisory, surveyor coordination and solicitor (Jacob Law) referral into one managed process, designed for consumers purchasing property in Ireland.
• First Time Buyer Mortgage Advisory Specialist mortgage advisory for Irish first-time buyers, including guidance on Help to Buy and First Home Scheme eligibility, deposit planning and lender selection across the full Irish lender panel.
• Switcher Mortgage Advisory Advisory service for existing Irish mortgage holders seeking to switch to a better-rate mortgage, including access to all major lenders, switcher-rate comparison and a recommended conveyancing partner (Jacob Law) at €1,350 incl. VAT and outlays.
• Equity Release Advisory Specialist advisory for Irish homeowners aged 55+ looking to release equity from their property via Spry Finance lifetime loans, supported by a dedicated equity release calculator.
• Mortgage Protection Insurance Advisory Insurance advisory service helping Irish mortgage customers find and arrange mortgage protection cover as part of the home-buying process.
• Free Mortgage Advice Booking Online booking service for free mortgage advice calls with qualified advisors, covering first-time purchase, switching and mortgage top-up scenarios.
• Online Mortgage Application and Pre-Approval Digital end-to-end mortgage application and pre-approval service, including online document upload, application tracking and an Approval in Principle (AIP) delivered in under 24 hours.

Quantifiable outcome

• 2,500+ home buyers successfully helped
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core, recommended and regulatory.

• Avant MoneycoreChannel Partner/ Reseller/ DistributorMortgage lender partner providing residential mortgage products. Available through moneysherpa's brokerage service for customers seeking competitive rates.
• Bank of IrelandcoreChannel Partner/ Reseller/ DistributorOne of Ireland's largest mortgage lenders, offering residential mortgage products through moneysherpa's brokerage platform.
• Haven MortgagescoreChannel Partner/ Reseller/ DistributorSpecialist mortgage lender partner providing residential mortgage products via moneysherpa's brokerage service.
• ICS MortgagescoreChannel Partner/ Reseller/ DistributorMortgage lender partner (operated by Dilosk) offering residential mortgage products through the moneysherpa platform.
• MoCo MortgagecoreChannel Partner/ Reseller/ DistributorMortgage lender providing residential products accessible through moneysherpa's brokerage service.
• Pepper FinancecoreChannel Partner/ Reseller/ DistributorSpecialist mortgage lender providing residential mortgage products via moneysherpa platform.
• Permanent TSB (PTSB)coreChannel Partner/ Reseller/ DistributorMajor Irish mortgage lender partner offering residential mortgage products through moneysherpa's brokerage service.
• Start MortgagescoreChannel Partner/ Reseller/ DistributorMortgage lender providing residential mortgage products accessible through moneysherpa platform.
• Spry FinancecoreChannel Partner/ Reseller/ DistributorEquity release specialist lender offering lifetime loans for customers aged 55+ seeking to unlock property value. Commission of €500 per loan with tiered clawback structure.
• AIB (including EBS and Haven)coreChannel Partner/ Reseller/ DistributorAllied Irish Banks group including EBS and Haven mortgages, providing residential mortgage products through moneysherpa's brokerage platform. Key partner for First Home Scheme transactions.
• Jacob LawrecommendedImplementation/ SI/ Consulting PartnerRecommended conveyancing partner specializing in property law with online document management and tracking. Offers all-in pricing of €1,350 including outlays and VAT for switching transactions.
• Central Bank of IrelandregulatoryOthersRegulatory authority. Moneysherpa Limited trading as moneysherpa is regulated by the Central Bank of Ireland for the provision of mortgage advice. All-In-One Service (solicitor, surveyor, valuation) does not require licensing by the Central Bank.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• John Charcol: Long-established UK mortgage broker with whole-of-market advice. Comparable as a broader incumbent in the mortgage brokerage space with similar free advisor service model.

Direct peers

• Trussle: UK online mortgage broker focused on mortgage switching and remortgaging. Comparable due to its digital-first switching-focused model and emphasis on consumer savings through rate comparison.
• L&C Mortgages: Established UK mortgage broker offering fee-free mortgage advice across the whole market. Comparable as a leading broker intermediary with similar lender panel model and free-to-consumer service.
• Better.co.uk: UK digital mortgage broker specializing in remortgaging and switching, with a strong online comparison and customer-experience focus. Highly comparable in the digital switching value proposition.
• Mojo Mortgages: UK digital mortgage broker offering whole-of-market mortgage advice and switching. Comparable as a direct competitor in online mortgage brokerage with similar commission-based revenue model.
• Habito: UK digital mortgage broker offering online mortgage advice, comparison, and application services. Highly comparable as a digital-first broker with a similar all-in-one home buying value proposition, though operating in the UK market.
• MyMortgages.ie: Irish online mortgage broker offering mortgage advice and comparison across Irish lenders. Directly comparable as a domestic Irish mortgage broker serving similar first-time buyer and switcher segments.

Emerging players

• MortgageGym: UK digital mortgage platform providing online advice and application tools. Comparable as a tech-enabled mortgage intermediary focused on consumer self-service journeys.

Regional players

• Spry Finance: Irish equity release specialist lender with lifetime loan products. While a lender rather than broker, it is a key channel partner for moneysherpa's equity release advisory service and operates in the same Irish consumer mortgage ecosystem.
• Brokers Ireland: Irish association/network of mortgage brokers operating in Ireland. Comparable as a domestic competitor operating in the same Irish mortgage brokerage market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/moneysherpaie
• YouTubeyoutube.com/@moneysherpa
• Facebookfacebook.com/moneysherpaIE
• LinkedInlinkedin.com/company/moneysherpa
• Instagraminstagram.com/moneysherpa.ie

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about moneysherpa