Welcome to

Kerin Financial

Providing Financial Advice to the People of Louth. Mortgages, Pensions, Life & Illness Cover as well as Savings & Investments. 

Our goal, is to help our customers get the best return possible on their hard earned money. We help families get their first home and the best mortgage rates. We advise clients on how to maximise the return they get on their savings and investments and we show them how to save for their retirement.

Get in Touch and see how we can help.

Our Services


Are you sure you are getting the best value?

Savings & Investments

Need good advice? We have a range of options available.

Life & Illness Cover

Do you have the cover you need?


Check out your retirement plan with us.

#Here to Help

Yes! We do Mortgages.

As a Mortgage Broker we have Mortgages available from KBC, Haven, PTSB, Finance Ireland and ICS/Dilosk.

We have access to the widest range of Mortgage Products in Mid-Louth.


Frequently Asked Questions

First Time Buyer: How Much can I borrow?

First Time buyers can borrow up to 90% of the value of property and 3.5 times their income. We can offer a range of fixed and variable rates that will help you get into your first new home.

If you are thinking of buying your first home, contact us and arrange a chat.

I want to Switch or Re-Mortgage

Switchers can borrow up to 80% of the value of the property and 3.5 times their income. People switch for many reasons, extending or moving your home, free up equity or often to get a better rate.

If you think we can help, please contact us to arrange a consultation.

Can I get an Investment Mortgage?

Investors in Residential properties can normally borrow between 50% and 70% of the value of a property. Investment mortgage rates are typically higher than the average loan rate.

If you are in the market for an Investment Property please contact us to arrange a consultation.

Our Team

Lucy Kerin

Lucy Kerin


Lucy has over 20 years’ experience in Financial Services both in Ireland and UK. Lucy set up Kerin Financial in 2020, in order to provide a greater financial choice to people in the Northeast.

Lucy is a Qualified Financial Adviser and holds a Certificate in Retirement Planning Advice. Lucy specialises in Investments, Pensions, Life and Illness cover.

Ray McAufield

Ray McAufield

Mortgage Advisor

Ray joined the team of Kerin Financial Ltd in October 2021 as a Mortgage Advisor, and is a Qualified Financial Advisor (QFA) through the Institute of Banking.

Ray has over 30 years’ experience in retail banking and lending, dealing primarily with Mortgages and he prides himself on providing clear concise advice to his clients.

Customer Feedback

Huge thanks to Lucy and Marie for all their help. They really went above and beyond for us, and we are delighted now to be in our forever home!

L&M, Ardee

Massive thanks to Lucy and Marie for helping us switch mortgage, we got a great deal, great advice and the process was really stress free! We’ll definitely be back, thanks again!

T&S, Ardee

Excellent & efficient service from Kerin Financial. Great to deal with. I will be returning to them in the future and would definitely recommend Kerin Financial to others.


Our sincere thanks to Lucy, Marie and Ray for all their help and assistance. We really appreciate it. I highly recommend Kerin Financial Services. 

SC, Ardee

Fantastic service. Excellent professional advice. Highly recommend their pension and insurance personal audit service. Hand over the policy numbers and they do all the work. Stress free update to retirement plans and insurance policies.


Excellent service. They went over and beyond to assist in all financial advice and in mortgage application and set up of pension plan. They kept costs to a minimum also. Nice people to deal with. Very professional also!


Choosing Kerin Financial to deal with our mortgage application was the best choice! The process was very easy, and It saved us so much time. Ray dealt with our mortgage application, and he was amazing! He couldn’t be more helpful. He was professional, fast, and efficient. He guided us through the entire process, from the beginning until we got the keys.

Lucy helped us to get our mortgage protection in place, she was very helpful and advised us about the best options in the market. She was respectful and knowledgeable.

My husband and I are very happy with the services both Ray and Lucy provided us. I would definitely recommend them to anyone looking to buy their first property.


Our Agencies