Property must be located in an urban location with a population of 5k or more (3k if leased to the country council on a term greater than 5 years.). The property must be in habitable condition. Minimum Property Value - €115,000
When applying for a Buy-to-Let mortgage, you’ll need to provide:
€40k Minimum Income requirement – If a joint application, the €40k requirement can be met with combined income.
Irish Resident Will accept application for Non-Resident if living in EEA and can demonstrate ability to manage property. Must own a property in the state (unless application is through an SPV)
Contact your lending manager about an SPV structure if the applicant does not meet any of the points. Applicants per Application We will accept up to 4 applicants on an application form. This applies for individual and SPV applications.
Our lending guidelines are designed to accommodate a range of investment strategies:
Loan Amounts: From €40,000 up to €1.25 million. Loan-to-Value (LTV) Ratios: Up to 70% LTV for loans up to €1 million. Up to 65% LTV for loans between €1 million and €1.25 million. Property Types: Residential Investment Properties (RIPs) located in Dublin, surrounding counties, and urban centres with populations over 10,000
Know the Future of Your Investment
We believe that a well- structured Buy-to-Let mortgage is more than a loan —it’s a long-term wealth- building tool. Whether you’re acquiring your first investment property or refinancing a portfolio, we help you understand how today’s choices shape tomorrow’s returns.
Our mortgage professionals will work with you every step of the way to ensure your loan is processed efficiently and hassle-free. From selecting the right lender to submitting documentation, our team ensures your journey is smooth and stress-free.
Minimum property value €115,000 with no maximum property value Minimum age of applicants is 21 years, maximum age on maturity is 75 years Minimum annual income €40,000, (per single/joint application) Up to 4 applicants on each mortgage An individual may be able to borrow up to: €4m at 70% LTV €4m-€7m at 60% LTV 1 to 10-year interest-only option with the remaining term on Capital & Interest up to 35 years, depending on age.
Perfect for company directors and SPVs aiming to grow or refinance their property portfolio.
Company lending is accepted via SPVs. This is where a Ltd
company is set up for the sole purpose of property acquisition
and renting. SPV does not need to be incorporated to progress an application, this can be done post AIP, pre-Offer letter. Personal Debt of directors is not factored into the assessment. There must be an Irish resident director(s) with a minimum income of €40k (can be combined from 2 or more directors).
An innovative way to invest using
your pension fund—ideal for hands-off, tax efficient growth.
Refinance properties to raise capital for further property purchase.
For example, raise 70% LTV on an unencumbered asset and expand the portfolio.
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.
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.
We can lend to age 80, where income is demonstrated to continue to age 80, e.g,. Rental income and assured income in retirement.
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.
While we are a residential lender, we will lend on mixed use buildings, however, we will only consider residential rent for assessment.
Meet John. He owns a home valued at €400,000, with only €100,000
left on the mortgage.
John had a clear goal: buy a second property to generate rental
income and build long-term wealth. He easily qualified for a second
mortgage — but didn’t have the 30% deposit required to make the
purchase.
So, what did he do?
He remortgaged his current home for €175,000, unlocking €75,000
in equity.
That €75,000 became the deposit he needed to secure his second
buy-to-let property.
Now, John:
Bought a rental property in Galway worth €250,000. Secured a loan of €175,000 at 70% LTV. Choose a 10-year interest-only term to maximise rental income, and will restructure after 10 years.
Refinanced two properties in Dublin, valued at €1 million. Secured €600,000 at 60% LTV. Used equity release to fund a third rental property.
Purchased a €200,000 rental property in Limerick. Used €100,000 from his pension and borrowed €100,000. The income goes directly back to the pension, growing tax-free.
Typically, Buy-to-Let mortgages in Ireland require a 30% down payment, with borrowing capped at 70% LTV. The Loan-to-Value ratio is limited to 65% for higher borrowings between €1 million and €1.25 million. Pension-based investments typically require a 50% deposit.
Yes, with strong rental demand in urban areas and flexible lending options, buy-to-let property investment in Ireland remains a powerful long-term wealth-building strategy. Options like 15-year interest-only or 35-year capital & interest mortgages can offer sustainable monthly returns and retirement income.
The approval for buy-to-let mortgages depends largely on rental income potential and the Loan-to-Value ratio, rather than your wages. However, there is a minimum income requirement of €40,000 per applicant (or joint applicants combined). The amount you can borrow also depends on the property’s value and rental stress testing.
The minimum loan amount for a Buy To Let Mortgage Ireland is €80,000. However, the absolute minimum for refinancing smaller properties or portfolios can start from €40,000, depending on the borrower’s structure and the property’s value.
Generally, yes—you’ll need a deposit of at least 30% for most buy-to-let mortgage lenders in Ireland. That means a 70% LTV is the maximum for loans under €1 million. For larger loans or pension-based borrowing, expect to contribute more.
With high rental yields in urban centres and rising rental demand, being a landlord in Ireland can be profitable, especially when paired with competitive buy-to-let mortgage interest rates and long-term repayment strategies. Investors can refinance to grow portfolios or convert short-term debt into stable, income-generating assets.
Returns vary by location and property type, but urban rental yields in Ireland often range between 4% to 7% annually. A well-financed investment using a competitive buy-to-let mortgage rate can generate strong long-term ROI, especially when using interest-only options to maximise monthly cash flow.
The lowest deposit accepted is 30% (70% LTV) for individual and company applicants, and 50% LTV for pensions (unit trusts). Some specialised options through buy-to-let mortgage lenders in Ireland may allow strategic leverage up to €7 million with a 60% LTV.
To get a buy-to-let mortgage in Ireland, you’ll need to meet criteria such as:
Apply as an individual, company (via SPV), or pension trust. Approval can be processed quickly through a residential mortgage broker experienced in investment property finance.
Rental income is subject to income tax at your marginal rate (20% or 40%), plus PRSI and USC. That said, they may deduct the full amount of mortgage interest along with various other expenses. Smart structuring, especially through SPVs or pensions, may reduce tax exposure. Professional advice is key when financing through a buy to rent mortgage Ireland structure.
Are you considering diving into the property market? Buying a rental property can be an excellent way to build wealth and secure your financial future.
Investing in a buy-to-let residential mortgage can be an exciting venture, especially in the vibrant real estate market of Ireland. However, before you dive into
Navigating the world of home financing can feel like a daunting maze. With countless options available, from residential mortgage brokers to public sector mortgage solutions
Whether you’re just starting or managing a growing portfolio, our advisors are here to help. Let us guide you to the right provider, the best rates, and a future full of property investment success.Money Maximising Advisors Limited is regulated by the Central Bank of Ireland.