An Ex-Pat Mortgage allows Irish citizens living overseas to purchase
residential properties in Ireland without being physically present. It works
like a regular mortgage but comes with stricter requirements. That’s why
having the right support is essential.
To qualify for an Irish Expat Mortgage, you must meet the following criteria: At least one applicant must be an Irish citizen, hold an Irish passport, and have a PPS number. Be in continuous employment for more than 2 years Applicants can apply individually or jointly with a partner/spouse. However, to apply jointly, all applicants must have an Irish work permit/visa. Must meet standard mortgage lending criteria 30% deposit required only applicable for completed properties (not for self-builds).
If any applicant has paid income taxes in Ireland for the past 4
years, they can qualify for the Help-to-Buy Government incentive
(newly built houses only qualify).
Your credit history is key.
A Credit Report will be required for both applicants in Ireland
and the country where they are currently residing.
Whether you’re in Sydney, Dubai, London, or Toronto, your Irish dream is closer than you think. Let us guide you back home with a mortgage made for expats.
Yes, expats can absolutely get a mortgage in Ireland. With Expat Mortgages Ireland, Irish citizens living abroad can purchase residential properties in Ireland—even while working overseas. You’ll typically need a 30% deposit, proof of stable income, and a strong credit history.
As an expat looking to purchase property in Ireland, you should:
Partnering with an experienced Expat Mortgage Broker in Ireland ensures your documents and eligibility are aligned for fast approval.
If you’re applying for an Expat Mortgage in Ireland, be prepared to provide a minimum 30% deposit. This means if you’re buying a €400,000 property, you’ll need at least €120,000 in savings. The Help-to-Buy scheme may assist first-time buyers on new builds, subject to eligibility.
You don’t have to live in Ireland to apply for an Irish Expat Mortgage. In fact, you can purchase a home from abroad, as long as you meet the criteria. However, if you’re planning to return, having Irish ties, such as a PPS number and previous tax records, can support your application.
No, purchasing a house in Ireland does not automatically grant residency. However, if you are an Irish citizen returning from abroad, home ownership through an Expat Mortgage Ireland can be part of your relocation strategy.
Yes. Many Irish citizens living abroad can qualify for an Expat Mortgage in Ireland. You’ll need to provide full credit reports from both Ireland and your current country of residence, along with payslips, job history, and proof of savings.
Yes, you can. With the support of an Expat Mortgage Advisor Ireland, you can complete the entire mortgage process remotely. This includes submitting your documents online and working with Irish lenders who accept expat applications.
Aside from the 30% deposit, you should budget for legal fees, valuation reports, and any applicable taxes. An Expat Mortgage Calculator Ireland can help estimate your total costs based on your budget, income, and loan size.
Yes, non-citizens can purchase property. However, only Irish citizens or visa holders with a valid Irish work permit can qualify for income-based mortgage assessments. If you’re a foreign national, speak with a broker about your eligibility for Expat Mortgages in Ireland.
Not all Irish banks offer mortgages to expats. That’s why working with an expert Expat Mortgage Broker in Ireland is key. We compare all top expat mortgage lenders in Ireland to find the most competitive rates and smoothest approval process.
If you’re an expat dreaming of owning a slice of Ireland, you’ve come to the right place. The Emerald Isle isn’t just famous for its
Money Maximising Advisors Limited is regulated by the Central Bank of Ireland.