Buy To Let Mortgage

We Offer Great Mortgage Rates for Buy To Let Mortgages. Our Features Include:

Loans for: Individuals Companies Pension (Unit Trusts)

15 year Interest only 25 year Capital and Interest 35 year Flexi-Mortgage

Mortgages from €40k to €1.25m

€4m LTV < 50% €3m LTV >50%<60% €2m LTV > 60%

Up to 70% Loan to Value


Pension Trust Mortgages Non-recourse

Below is an explainer video of one of the main buy to let providers in Ireland ‘ICS Mortgages’

Buy-to-Let Mortgages

A flexible and tax efficient Buy-to-Let Mortgage for new and existing property Investors:

  • 5 to 15 year interest only option
  • 25 year Capital and Repayment option
  • 35 year Flexi option
Enquiry Now

Product features

Whether you are an established landlord or this is your first Buy-to-Let Mortgage, we know it’s important for you to make the right investment decision.

  • 5 to 15 year interest only option
  • 5 to 25 year Capital and Interest option
  • 35 year Flexi Mortgage option
Enquiry Now

Rates From

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We have a range of mortgage rates depending on which repayment option you choose. (APRC from 4.52%)

Detailed Rate Info

Streamlined Process

Our qualified mortgage professionals will work with you to ensure your loan is processed as smoothly and as efficiently as possible.

Know the future of investment

Individual Investors

This is available to individual investors who wish to purchase or refinance Residential Investment Properties valued from €80,000 upwards.
The minimum loan is €40,000 and the maximum loan is €1.25m.
The minimum age of the applicant is 21 and the maximum age on maturity is 75.
The minimum annual income is €40,000 per single/joint application.
There is a maximum number of 4 applicants on any one property.
5 to 15-year terms interest only repayments.
20-year term capital and interest repayments.
35-year term flexi mortgage giving 1 to 10 years interest only repayment with capital and interest repayment on the remaining term.
Up to 70% loan to value is available on loans of up to €1m. This means that you will have to have funds worth at least 30% of the total value of the property purchase.
Up to 65% loan to value is only available on loans from €1m to €1.25m.
The finance providers tend to lend to investors who are looking at RIPs in Dublin and surrounding counties, Kildare, Wicklow, Meath, Louth, Galway, Cork, Limerick and in other urban centres with population greater than 10,000 people.
There is an ICB (Irish Credit Bureau) check required on all applicants.

Company Investors

This option is available to company directors who wish to purchase or refinance Residential Investment Properties (RIPs) valued from €80,000 upwards.
The Minimum loan €40,000, maximum loan €1.25m
5 to 15-year terms interest only repayments
20-year term capital and interest repayments
35-year term flexi mortgage giving 1 to 10 years interest only repayment with capital and interest repayment on the remaining term
Up to 65% loan to value is available on loans up to €1m
Up to 60% loan to value is only available on loans from €1m to €1.25m
The finance providers tend to lend to investors who are looking at RIPs in Dublin and surrounding counties, Kildare, Wicklow, Meath, Louth, Galway, Cork, Limerick and in other urban centres with population greater than 10,000 people.
ICB (Irish Credit Bureau) check required on all shareholders.

Pension Investors

This is where an individual can purchase, or refinance Residential Investment Properties valued from €80,000 upwards on the strength of his pension fund.
Minimum loan €40,000, maximum loan €500,000
5 to 15-year term interest only repayment option and 5 to 15 year term capital and interest repayment option.
There is only a maximum of 50% loan to value. This means that the individual must have at least 50% of the purchase price of the property in his pension pot.
The finance providers tend to lend to investors who are looking at RIPs in Dublin and surrounding counties, Kildare, Wicklow, Meath, Louth, Galway, Cork, Limerick and in other urban centres with population greater than 10,000 people
This is Non-recourse lending as there is no ICB (Irish Credit Bureau) check required on the individual as the loan is to the pension trustees.

Please watch our video on Buy to Let Mortgages to learn more and fill in the quick contact form below if you have any questions you would like answered!

Refinancing Your Buy to Let Portfolio

Analyst holds down arrow near the wooden houses. Concept of falling real estate market. Low prices and cost of housing. Reduced mortgage rates and housing demand. Bankruptcy. Crisis and low liquidity

Refinancing your Buy-to-Let Mortgage Portfolio

A DEDICATED BUY-TO-LET REFINANCE TEAM

At Money Maximising Mortgages, we have extensive experience working with clients who wish to refinance their property portfolios. Every client is unique so we tailor mortgage solutions based on our client’s individual needs.

Whether you are thinking of a straight refinance of your property portfolio or if you are looking to refinance and release equity in order to grow your portfolio, our dedicated Buy-to-Let refinance team with work closely with you to find the best solution.

We have seen a significant demand in the number of clients wishing to refinance their Buy-to-Let portfolios. Each of our clients is looked after by one of our dedicated Lending Managers. They will get a real understanding of your needs and will advise on the best possible options for you. They assist with every step of the process to ensure we offer a streamlined and efficient process for every client.

This guide, we will bring you through the reasons why property investors are refinancing their Buy-to-Let portfolios, our product options available and some case examples.

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ABOUT MONEY MAXIMISING MORTGAGES

Money Maximising Mortgages is a trading name of Dilosk DAC, which is an Irish financial services company, regulated by the Central Bank of Ireland as a Retail Credit Firm since August 2014.

Money Maximising Mortgages was originally established in 1864 and has remained a leading and trusted brand in the mortgage market.

We are now the Buy-to-Let residential mortgage specialists providing more Buy-to-Let finance than any other mortgage provider in Ireland.

We are very proud of the industry awards that we have received for our Buy-to-Let products and for the service we offer our clients

  • 2018 ‘Lender of the Year’ award voted by Brokers Ireland
  • 2019 ‘Best Mortgage for property Investment’ awarded by Association of Irish Mortgage Advisers
  • 2019 ‘Excellence in Mortgage Service’ award voted by Brokers Ireland
  • 2022, 2021, 2020 ‘Best Mortgage for Public Sector Employees’ awarded by Public Sector Magazine

WHY REFINANCE YOUR BUY-TO-LET PORTFOLIO ?

Here are some of the reasons why our clients want to refinance their portfolio with Money Maximising  Mortgages:

(1) They are on terms with their existing lenders that are coming to an end (For example, an interest only period due to expire)

(2) They are looking to release equity to purchase additional properties to add to their portfolio

(3) They are looking for a more competitive offering

(4) They are coming up to a break clause with their existing lender

(5) They may have unencumbered properties and they wish to release equity

We offer tailored solutions for property portfolio refinancing and We offer no cross security which allows for easier portfolio management

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WE LEND TO:

  • Individuals (up to 4 individuals on a mortgage)
  • Companies (including Special Purpose Vehicles)
  • Pension (Unit Trusts)

Our dedicated refinancing team advises property investors on the most suitable and efficient product options.

Our portfolio refinance option is available to those refinancing a minimum of two properties with a combined value of €2 million.

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Buy-to-Let Mortgages for Individuals

PRODUCT FEATURES

  • 5 to 15 year Interest only option
  • 5to 25 year Capital and Interestoption
  • 35 year Flexi –Mortgage

(1 to 10 year Interest only with remaining term on Capital and Interest up to 35 years)

  • Variable rates from 3.75%
  • Up to 4 individuals on an application
  • Finance available for multi-units / Pre ‘63
  • Up to 70% Loan to Value
  • Min. loan size €40,000 / Max. loan size €1.25m
  • Min property value €100k, no max property value
  • An individual may be able to borrow up to:

➢  €4m – if the weighted average LTV for all loans is < 50%
➢  €3m – if the weighted average LTV for all loans is < 60%
➢  €2m – if the weighted average LTV for all loans is < 70%

We charge Legal Fees of €950 plus VAT+Outlays and an Application Fee of 0.5% of the loan amount. This is capped at €1,500 for individual Buy-to-Let Investors and is temporarily waived for any drawdown that takes between May 16th and September 30th 2022.

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Buy-to-let Mortgages for Companies - including Special Purpose Vehicles

PRODUCT FEATURES

  • 5 to 10 year Interest only option
  • 5 to 25 year Capital and Interest option
  • 35 year Flexi –Mortgage

(1 to 10 year Interest only with remaining term on Capital and Interest up to 35 years)

  • Variable rates from 4.45%
  • Finance available for multi-units / Pre ‘63
  • Up to 70% Loan-to-Value
  • Min. loan size €40,000 / Max. loan size €1.25m
  • Min property value €100k, no max property value
  • A company may be able to borrow up to:

➢  €4m – if the weighted average LTV for all loans is < 50%
➢  €3m – if the weighted average LTV for all loans is < 60%
➢  €2m – if the weighted average LTV for all loans is < 70%

We charge Legal Fees of €950+ VAT + Outlays and an Application Fee of 0.5% of the loan amount (temporarily waived for all applications that drawdown before 30th September 2022

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Buy-to-Let Mortgages for Pension (Unit Trusts)

PRODUCT FEATURES

  • Non-Recourse Lending
  • 5 to 15 Year Capital & Interest option
  • Variable rates from 4.25%
  • Finance available for multi-units / Pre ‘63
  • Maximum LTV 50%
  • Loans from €40,000 up to €500,000
  • Minimum property value €100,000 with no maximum property
    value.

Our Pension (Unit Trust) Mortgage is only available through Pension Advisers and our Broker Channel

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LENDING GUIDELINES

  • The Buy-to-Let property must be located in the Republic of Ireland and not used as a principal dwelling.
  • The applicant must reside in the EEA.
  • All individual applicants must be the owner of at least one residential property in the ROI other than the Buy-to-Let property being financed.
  • We will lend for properties in Dublin (and surrounding counties), Limerick, Galway, Cork, and for properties in other urban centres with a population of 10,000 or more

Product details and rates are correct as at 30.05.22 and may be subject to change. Lending Criteria, Terms and Conditions apply and may be subject to change.

To view all our product features and rates, please CLICK HERE

Case Examples

The following examples outline the solutions for some of our clients who have refinanced their property portfolios

Example (1) Property Portfolio Refinance
Example (2) Property Portfolio Refinance
Example (3) Property Portfolio Refinance
Example (4) Property Portfolio Refinance
Example (5) Property Portfolio Refinance
Example (6) Property Portfolio Refinance

Get in touch for buy to let mortgage solutions tailor - Made for you