Mortgage Process
28 guides
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.
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.
Returning Emigrant Mortgage Ireland 2026: How to Get Approved
Returning emigrant mortgage Ireland guide: how lenders assess foreign income, credit history requirements, and which banks approve non-resident applicants.
Mortgage Rates Ireland 2026: Compare All Lenders (Updated September 2026)
Current mortgage rates Ireland 2026 — fixed and variable rate comparison across AIB, BOI, EBS, Avant Money, Haven, ICS, and PTSB, updated regularly.
Fixed vs Variable Rate Mortgage in Ireland: Which Should You Choose in 2026?
Fixed vs variable rate mortgage Ireland 2026 — rate comparison, when fixing makes sense, ECB outlook, breakage fees, and which lenders offer the best products.
Mortgage Approval in Principle (AIP) Ireland: What It Is and How to Get It
Mortgage Approval in Principle Ireland — what AIP means, how long it lasts, what documents you need, and how to get AIP from AIB, BOI, and other lenders.
Joint Mortgages in Ireland 2026: Applying With a Partner or Family Member
Joint mortgages in Ireland 2026 — how borrowing with a partner or family member works, income assessment, liability, what happens on separation, and which lenders allow non-spousal joint applications.
Mortgage Overpayment in Ireland 2026: How to Pay Off Your Mortgage Early
Mortgage overpayment Ireland 2026 — how much you can overpay, what it saves you, which lenders allow it and how much, and whether it is better than saving or investing.
Green Mortgages in Ireland 2026: Lower Rates for Energy-Efficient Homes
Green mortgages in Ireland 2026 — which lenders offer lower rates for BER A/B homes, how much you save, how to check your BER, and whether a retrofit makes financial sense.
Stamp Duty on Property in Ireland 2026: Rates, Exemptions & How to Pay
Stamp duty Ireland 2026 — current rates for residential and commercial property, first-time buyer exemptions, how it is calculated, when you pay, and the refund scheme for new builds.
Mortgage Interest Relief in Ireland: What You Need to Know
Mortgage interest relief in Ireland — the original TRS scheme (2004–2012), who still qualifies, the temporary 2023–2024 tax credit, and current alternatives for homeowners.
How Much Can I Borrow for a Mortgage in Ireland? 2026 Guide
Find out how much you can borrow for a mortgage in Ireland in 2026 — the 4× income rule, joint applications, exceptions, affordability stress tests, and real examples.
Renovation Mortgages in Ireland 2026: Financing a Fixer-Upper
Renovation mortgages in Ireland 2026 — how to finance buying and renovating a property, which Irish lenders offer renovation products, staged drawdown, and the grants available.
Switching Your Mortgage in Ireland: A Complete 2026 Guide
How to switch your mortgage in Ireland in 2026 — how much you can save, which lenders offer cashback, the switching process step by step, and when it is not worth it.
Mortgage vs Rent in Ireland: Which Is Right for You?
An honest comparison of buying vs renting in Ireland in 2026 — real numbers for Dublin and regional cities, the true cost of each, and a decision framework.
How Is Mortgage Interest Calculated? A Simple Guide
Understand exactly how mortgage interest is calculated in Ireland — monthly vs daily methods, amortisation, fixed vs variable rates, and how to reduce what you pay.
Interest-Only vs. Repayment Mortgages: Understanding Your Options
Comparing interest-only and repayment mortgages in Ireland — costs, risks, who qualifies, and why almost all Irish residential buyers choose repayment.
What is a Mortgage? A Simple Guide
A plain-English guide to mortgages in Ireland — how they work, key terms, Central Bank rules, types of mortgages, and what lenders look at when you apply.
Planning Permission in Ireland – What You Need to Know in 2025
Planning permission in Ireland — how to apply, what requires full permission, exemptions for extensions, typical timelines, and why lenders need it before drawdown.
Unlock Your Dream Home: How to Get a Finance Ireland Mortgage in 2025
Finance Ireland mortgages 2026 — rates, products, broker-only access, self-build and buy-to-let options, and how this specialist lender sits in the Irish market.
Unlocking Home Equity: The Benefits of Remortgaging in Ireland
Switching mortgage Ireland — how to get a better rate by remortgaging, estimated savings, switching costs, cashback offers, and the step-by-step process.
Navigating Mortgage Arrears in Ireland
In mortgage arrears in Ireland? Your rights under CCMA, the MARP process, forbearance options, and how to engage your lender before the situation escalates.
Exploring Buy to Let Mortgage Options in Ireland
Buy-to-let mortgages Ireland 2026 — eligibility, LTV limits, rental stress tests, which lenders participate, and key tax considerations for property investors.
Understanding Mortgage Protection Insurance in Ireland
Mortgage protection insurance in Ireland — what it covers, how much it costs, how to compare providers, and why you are not obliged to buy from your lender.
Navigating the Mortgage Market: The Role of Brokers in Ireland
Mortgage brokers in Ireland — how brokers work, who pays them, which lenders they access, and when using a broker beats going directly to a bank.
10 Things to Know Before Applying for a Mortgage in Ireland
10 essential things to know before applying for a mortgage in Ireland — Central Bank rules, AIP, credit history, savings evidence, and what lenders really assess.
Mortgage Rate Predictions Ireland 2025: Expert Insights and Market Analysis
Irish mortgage rate outlook — ECB rate decisions, lender pricing trends, and what fixed and variable borrowers can realistically expect over the next 12 months.
Understanding Mortgages with County Councils in Ireland
County council mortgages in Ireland — how Local Authority Home Loans work, eligibility for refused applicants, fixed rates, and which councils are participating.