Mortgages from MoCo

MoCo offers competitive mortgage rates and a digital application process. Apply through their exclusive panel of brokers, who will help you choose the mortgage that suits your needs.

What do MoCo mortgages offer?

MoCo offers mortgages for first time buyers, movers and switchers through their select panel of brokers, who will guide you through the application process.

Benefits include:

  • Exclusive panel of brokers: Experienced, expert brokers selected by MoCo and regulated by the Central Bank of Ireland.
  • Step-by-step guidance: Receive advice and support at each step of your mortgage journey, to help you secure the right deal.
  • Digital-first process: Enjoy a digital ID verification and financial assessment for a more seamless mortgage application.
  • Early Letter of Offer: MoCo says they will provide a Letter of Offer (subject to property valuation) earlier in the mortgage journey, for more confidence when bidding.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

MoCo mortgages

Here’s a more detailed look at MoCo’s mortgages - from their rates to their application process.

MoCo’s fixed term rates

MoCo offers competitive 3 and 5 year fixed-rate mortgages, in which the interest rate is set for an agreed period.

Their lowest rate is offered for mortgages with an LTV of less than 50%, although competitive rates are on offer for an LTV of 80-90%.


All MoCo mortgage customers will receive a cash back lump sum of €1,500, paid one month following their first monthly instalment.

Even if you switch mortgage providers, the money is yours and you don’t need to repay it.

Applying through a broker

When applying for a mortgage with MoCo, you must use one of their specially selected panel of brokers.

Choose one of the brokers listed on the MoCo website, and they can help you navigate through the mortgage application process.

They can:

  • prepare and check your mortgage application documents
  • track your application and assist with any delays or issues
  • act as an intermediary between you and MoCo
  • choose the right mortgage product for your circumstances

Online application

MoCo has digitised some of the application steps to remove as much paper as possible from the mortgage process.

You can:

  • Upload your ID online for a quick and secure way to verify your identity
  • Give MoCo access to your online bank transactions so they easily review your relevant financial history.

MoCo’s Letter of Offer

MoCo says they will provide a Letter of Offer (subject to property valuation) at an earlier point in the mortgage journey, to give customers confidence in bidding for a property.

The Letter of Offer will only be issued when an underwriter has reviewed and assessed your completed application and supporting documentation.

About MoCo

MoCo is the Irish branch of the Austrian bank BAWAG, which is regulated by the European Central Bank and the Central Bank of Ireland.

BAWAG, which was founded over 100 years ago, is headquartered in Vienna and services 2.1 million customers across numerous countries in Europe and the United States.

Compare all our fixed rate mortgages

MoCo mortgage FAQs

What is the maximum mortgage term with MoCo?

You can apply for a mortgage with MoCo for a maximum term of 35 years and up to a maximum age of 80.

If the term extends beyond your expected retirement age, they will assess your ability to service the mortgage beyond that point.

What is the minimum mortgage amount you can apply for?

The minimum mortgage amount you can apply for with MoCo is €125,000.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

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 31/05/2024