All about mortgages in Ireland

Whether you’re a first time buyer, moving home or remortgaging, our guides cover everything you need to know, and can help you make the biggest savings.

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How to switch to a better mortgage deal

Switching your mortgage to a better interest rate could save you thousands of euro or help you reduce your loan term. Here’s how to find the best switcher mortgage.

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How much can I borrow mortgage calculator

Use our free mortgage calculator to discover how much you might be able to borrow from mortgage lenders in Ireland.

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What insurance do you need with your mortgage?

Getting the right insurance to protect you and your home financially is vital. Here’s the insurance you need in Ireland, and other types you may want to consider.

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Ireland's most affordable places for first time buyers

Saving for a deposit and choosing where to live are often the first steps to home ownership. Switcher.ie’s First Time Buyer Affordability Index reveals the most affordable locations to buy a house in Ireland.

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Your moving house checklist

Moving home can be a difficult juggling act. Our house move checklist can guide you through the steps to make your move stress-free and simple.

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The First Home Scheme explained

A new help to buy scheme in Ireland is helping first time buyers and other eligible borrowers get on the property ladder, but what is it, and how do you apply? Here’s all you need to know about the First Home Scheme in Ireland.

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Should you choose a cashback mortgage?

Costs can spiral when you buy a property or switch, so a cashback mortgage can provide a boost when you need it most. Here’s all you need to know about cashback mortgages in Ireland.

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Should you use a mortgage broker in Ireland?

If you’re on the hunt for a new mortgage, finding the right home loan takes time & effort. Here’s how a mortgage broker could save you time and money.

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Should you overpay your mortgage?

Overpaying your mortgage could save you thousands of euro in interest, and help pay off your balance years earlier. Here’s how to overpay and how much you could save.

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Self build mortgages in Ireland

If you dream of building your own home, a self build mortgage could help make it a reality. Here’s how they work, how much you can borrow, and what insurance you need.

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Repayment vs interest-only mortgages

Here’s how repayment and interest-only mortgages work in Ireland and the different ways to repay your mortgage loan whether you’re a first time buyer, buy-to-let investor or switcher.

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Mortgage calculators Ireland

You can use our free online mortgage calculators to estimate your mortgage repayments, work out how much you can borrow and calculate yourstamp duty bill.

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How to prepare for a mortgage application

The right preparation can improve your chances of mortgage approval. Here’s 7 steps to get mortgage ready, from getting your finances in order to checking your credit record.

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How to get a mortgage if you’re self employed

If you run a business or work for yourself, getting a mortgage can be tricky. Here’s how to secure a mortgage when you’re self-employed in Ireland.

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How to get a mortgage if you have bad credit

Getting on the property ladder with a poor credit history can be tough. Here are some ways to improve your chances of getting a mortgage with bad credit.

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How to get a mortgage Approval in Principle in Ireland

Getting a mortgage Approval in Principle is a step closer to buying your new home or remortgaging. Here’s how to apply and what to do if you’re not approved.

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How do mortgage deposits in Ireland work?

Before you can get a mortgage to buy a home in Ireland you’ll need a deposit. Here’s how they work and how much you’ll need to have saved.

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Green mortgages explained

A green mortgage could save you money if you have an energy-efficient home. Here’s all you need to know about green mortgages in Ireland and how to pick the best one.

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Stamp duty in Ireland explained

When you buy a home in Ireland you’ll have to pay a tax called stamp duty. Here’s how stamp duty works and how much it’ll cost you.

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Ireland's best towns for work life balance

A good work-life balance is key to a happy life so we’ve researched Ireland’s towns for local services, hybrid working, family life and leisure to find the best places to live and work.

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The best places to work from home in Ireland

Remote and hybrid working is here to stay, so we’ve researched Ireland’s towns for telecoms, leisure and family to find the best places to work from home in Ireland.

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 09/12/2024