Irish Mortgage Guides
Plain. Accurate. Independent.
Everything you need to know about getting a mortgage in Ireland — from Central Bank rules and deposit requirements to lender rates and government schemes. No jargon. No affiliate links.
- ✓Specific to Ireland — Central Bank rules, Irish lenders, euros
- ✓Independent — no affiliate links, no lender payments
- ✓Plain English — no jargon, just clear answers
- ✓Updated regularly — rates and rules change fast
Browse by Topic
Pick the guide that matches where you are in your mortgage journey.
First-Time Buyers
Central Bank rules, deposit requirements, Help to Buy, step-by-step guides.
6 guides
Lender Guides
AIB, BOI, EBS, Avant Money, Haven, ICS, PTSB — compared and explained.
11 guides
Schemes & Grants
Help to Buy, First Home Scheme, Local Authority Home Loan, SEAI grants.
5 guides
Mortgage Process
From AIP to drawdown — every step of getting your mortgage explained.
38 guides
Mortgage Rates
Fixed, variable, tracker — current rates compared across all lenders.
3 guides
Mortgage Basics
Protection, overpayments, stress tests — the fundamentals explained clearly.
2 guides
Latest Guides
Updated regularly as rates and rules change.
Avant Money One vs Flex Mortgage Ireland 2026: Which Is Right for You?
Avant Money One vs Flex: Fixed for life or fixed for now? Compare rates, LTV limits, break fees, and real scenarios to pick the right Avant mortgage in 2026.
Best Mortgage Rates in Ireland 2026: Full Lender Comparison
Best mortgage rates Ireland September 2026. Compare fixed and variable rates across all lenders by LTV band. Updated rates, cash-back offers, and switching deals.
Breaking a Fixed Rate Mortgage in Ireland 2026: Break Fees Explained
Breaking a fixed rate mortgage in Ireland — how break fees are calculated, when it makes sense to break, lender policies, and how much you could save by switching.
Cashback Mortgage Ireland 2026: Is It Worth It?
Cashback mortgage Ireland: BOI, PTSB and EBS offer 2% back. But higher rates mean you pay more long-term. We calculate if cashback is actually worth it.
Credit Check for a Mortgage in Ireland: What Lenders Look At
Everything Irish mortgage applicants need to know about credit checks: CCR, ICB, what shows up, how long negatives stay, and fixing errors before applying.
First Home Scheme Ireland 2026: How Much Can You Get?
First Home Scheme calculator Ireland: work out your government equity amount, understand price caps, income limits, and repayment rules for 2026.
Mortgage Lender Exceptions Ireland 2026: How to Borrow Above the 4× Limit
Mortgage exception Ireland: How Central Bank exceptions work, which lenders approve above 3.5× salary limits, and how to apply for higher borrowing in 2026.
Moco Mortgage Ireland 2026: Rates, Criteria and How to Apply
Moco mortgage Ireland guide: current rates, lending criteria, application process, and how this online-first lender compares in 2026.
Mortgage After Separation or Divorce in Ireland 2026: Your Options Explained
Mortgage after separation or divorce in Ireland — how to remove a name from a joint mortgage, buy out a partner, what courts can order, and how to get a mortgage after divorce.
Not sure where to start?
Our first-time buyer guide covers everything from deposits to drawdown in plain English.
Read the FTB GuideMortgage Bible is an independent information resource. All content is for informational purposes only and does not constitute financial advice. Always verify current rates, rules and eligibility directly with lenders or the relevant government body (Revenue.ie, centralbank.ie, gov.ie).