Think of it as unlocking the hidden potential in your existing property portfolio. Whether you own one buy-to-let or several, you can release the equity tied up in those properties — or even in your own home — to take your financial plans further, faster. This isn’t about selling. It’s about using what you already own to build more.
Pay a deposit for another property — Grow your portfolio without dipping into savings
Clear outstanding debt — Simplify repayments and reduce financial stress
Retrofit or upgrade properties — Increase rental income or property value
Fund a divorce settlement — Manage life changes with financial control
We help you navigate the requirements:
Loan Amounts: €40,000 to €1.25 million LTV Up to 70% for loans up to €1m | Up to 65% for €1m–€1.25m
Location Focus: Urban centres, Dublin, and major towns with 10,000+ people
Refinance short-term debt to a longer-term mortgage. For example, if short-term debt was raised to purchase and renovate, once; property is habitable,the client can refinance. The client can raise to 70% LTV.
If an applicant owns two or more BTL properties, it will apply an 85% stress test on the property’s rental income. Previously, the stress testing applied was 75%. 85% Stress testing also applies to all pension cases.
Flexi Mortgage
Our Flexi product allows borrowers to have a 35-year term with to option of 1-10 years interest only, rolling onto Capital and Interest thereafter.
We can lend to age 80, where income is demonstrated to continue to age 80, e.g,. Rental income and assured income in retirement.
While we are a residential lender, we will lend on mixed use buildings, however, we will only consider residential rent for assessment.
Applicants can now apply for a 35- Year Capital & Interest Product up to the age 80. Formally, this was limited to 25 years of Capital & Interest.
See how others have used Buy-to-Let Equity Release to transform their finances.
Meet Pat — a seasoned property investor with three fully owned buy-to-let properties, collectively worth €1 million and generating strong rental income. Now, Pat has bigger plans: she wants to develop a new apartment block near a university, specifically for student rentals — a high- demand market with long-term yield potential. To secure the development finance loan, Pat needed to put down a 30% deposit. Instead of dipping into his savings, he took a smarter route.
👉 She released equity from her existing buy-to-let portfolio using
equity release mortgages.
The capital raised was enough to cover the entire deposit required,
unlocking his ability to fund the new development without selling
assets or seeking outside investors
Yes, equity release can be used as a deposit for purchasing another property—whether it’s your next buy-to-let or a principal residence. Through Buy to Let Equity Release Ireland, investors can refinance an existing property, unlock up to 70% of its value, and reinvest that capital toward new acquisitions without dipping into savings.
Yes, releasing equity can help pay down or refinance an existing mortgage. Many clients choose to remortgage a buy-to-let to release equity in Ireland, allowing them to reduce debt and shift to longer, more affordable repayment terms, particularly when refinancing short-term or bridging loans.
You typically need at least 30% to 40% equity in your property to qualify. With Equity Release in Ireland, lenders can release up to 70% LTV for loans up to €1 million. Properties must be in urban areas with strong rental yields and meet rental coverage thresholds.
Yes, equity release is commonly used during separation or divorce. You can release equity from your house for buy-to-let in Ireland to buy out your ex-partner’s share in the property, giving you financial control without the need to sell or move.
With most lenders, the maximum lending age is 75. However, through Buy to Let Equity Release Mortgages Ireland, lending can extend to age 80, provided you can demonstrate ongoing rental or pension income to cover repayments.
You can apply to remortgage to release equity on a buy-to-let in Ireland by refinancing your property with a new loan that covers both your current mortgage and the additional cash amount needed. A financial broker will guide you through eligibility checks, property valuation, and stress testing.
Most Buy to Let Mortgage Equity Release Ireland products offer up to 70% LTV for loans up to €1 million and up to 65% LTV for loans between €1 million and €1.25 million. Pension-related buy-to-lets are typically capped at 50% LTV.
Yes—if used strategically. Equity release on buy to let in Ireland allows investors to unlock tied-up capital to reinvest, pay off high-interest debts, or manage personal financial changes. It can be a powerful tool when guided by expert brokers who tailor it to your investment goals.
Yes, most lenders allow early repayment of equity release loans, often without penalty. With flexible terms available through Buy To Let Mortgage Lenders, you can choose repayment structures—including interest-only periods or full capital and interest—based on your cash flow and future plans.
In many cases, yes. A buy to let mortgage equity release in Ireland generally offers lower interest rates and larger loan amounts than personal loans. It’s also tax-efficient for property investors, as mortgage interest may be deductible against rental income (subject to tax advice).
In the world of property investment, unlocking the hidden potential within your assets can lead to exciting opportunities. If you own a buy-to-let property, there’s
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Money Maximising Advisors Limited is regulated by the Central Bank of Ireland.