The Impact of Gambling on Your Mortgage Application in Ireland


If you’re considering applying for a mortgage in Ireland, you may want to think twice before indulging in your gambling hobby. While occasional gambling may not have a significant impact on your mortgage application, regular gambling could potentially raise concerns with your lender and affect your chances of getting approved for a mortgage.

Why Lenders Consider Gambling a Risk

As a borrower, it’s essential to understand that lenders are looking for individuals who present a low-risk profile. From their perspective, lending out thousands of euros is a significant investment, and they need to feel confident that they’ll get their money back. Regular gambling activity could signal to a lender that you are not financially responsible and could lead to default on your mortgage payments.

The Difference Between Occasional and Regular Gambling

It’s important to note that there is a difference between occasional small bets and regular large gambling transactions, including professional gambling. While it’s not the lender’s job to tell you how to spend your money, they do have an obligation to lend responsibly and assess your ability to repay the loan.

How Lenders Assess Gambling Activity

During the affordability assessment, the lender will examine your bank statements from the previous 3-6 months (up to 12 months for proof of income) and factor in any regular gambling transactions. Based on the frequency and amount of your gambling compared to your income and fixed financial commitments, the lender will decide whether to approve your mortgage application.

Tips for Improving Your Situation

If you’re worried about how your gambling activity may affect your mortgage application, here are a few things you can do to improve your situation:

  1. Talk to your mortgage broker, like Ezfees Financial, for advice and assistance in getting mortgage-ready.
  2. Clear any outstanding debts you may have to show that you are responsible with your finances.
  3. Make regular savings to demonstrate that you are a low-risk borrower.
  4. Check your credit report for any negative marks that may impact your mortgage application.
  5. Reduce or stop the amount and frequency of your gambling activities, such as using online or mobile betting apps, and instead maybe the occasional visit to your local betting office.

Seeking professional help, such as Gamblers Anonymous, could be an option worth considering if you’ve been previously refused a mortgage due to gambling.


At Ezfees Financial, we understand that everyone has unique circumstances, and we’re here to listen, provide advice, and help you on your mortgage journey. Contact us today on 0818 910800 or visit our website at to learn more about how we can help you get approved for a mortgage. Remember, being financially responsible is key to getting approved for a mortgage, and reducing your gambling activity may be necessary to achieve your goal.

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

What’s in this for you? Discuss your business finances in confidence with trustworthy advisors to:
1) Create a money management plan to suit your business
2) Align your business and personal objectives
3) Get clarity and validation on your strategies from dedicated Financial Advisors committed to safeguarding your business finances
4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your business and your future

Investment Consultation

With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

What’s in this for you? Why you should consider savings and investment plans?
1) The potential for higher returns
2) Flexibility in the amount you save
3) Short, medium and long term options to suit your goals, amounts and terms to save
4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Mortgage Consultation

Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Financial Planning Consultation

Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future