Mortgages from Núa
From first-time buyers, to movers and switchers, Núa offers flexible mortgage options with a fast, digital-first experience.
What mortgages do Núa offer?
Núa provides a suite of mortgage and equity-release solutions for different borrower needs:
Núa currently offers 3-year and 5-year fixed rate mortgages.
Loan terms may extend up to 40 years, and in specific circumstances loans may mature at age 75, depending on borrower credit and income.
How to apply for a mortgage with Núa
Applications can be made via Núa’s selected mortgage brokers, who provide independent advice and guide you through available options.
Additional eligibility
Beyond standard lending rules, Núa may apply more flexible criteria that may benefit certain borrowers, including:
Why choose Núa?
Núa is a digital-first mortgage lender, with streamlined systems aimed at speed and efficiency. It offers:
Núa is not a full-service bank; it focuses solely on mortgage lending (no current accounts or deposits), and loan amounts, eligibility and pricing depend on individual borrower and property circumstances.
About Núa Money
Núa is Ireland’s digital-first mortgage platform, focused on making the home loan process faster, simpler, and more accessible for a wide range of borrowers.
They provide a variety of innovative mortgage and refinancing options, all available through a panel of carefully selected brokers who guide applicants every step of the way.
Núa Money Limited is fully regulated by the Central Bank of Ireland.
Núa mortgages FAQs
How can a mortgage broker help?
Mortgage brokers, also known as intermediaries, can help you find the best mortgage rates and support you through the application process.
A broker can help you:
- Find out how much you can borrow based on your financial situation and calculate mortgage costs from different lenders
- Access a wide range of lenders and mortgages and compare mortgage deals to find the best mortgage for your financial situation
- Help you prepare the documents you need to support your application, check your paperwork and track the progress of your application
- Communicate directly with the lender and help with any problems or delays so your application runs smoothly
- Advise on other financial products you need with your mortgage, such as life or home insurance
You can learn more about mortgage intermediaries in our guide: Should you use a mortgage broker?
How much can I borrow?
The amount you can borrow depends on several things, including rules set by the Central Bank of Ireland and other factors such as your income and property cost.
Briefly, if you’re a first time buyer, the amount you can borrow is capped at four times your sole or joint annual income. Movers are limited to 3.5 times their gross annual income. This is known as the Loan to Income (LTI) limit.
Your mortgage is also subject to a 90% Loan-to-Value (LTV) limit. This means you must provide a minimum of 10% of the property value as a deposit.
To learn more about mortgage lending and estimate how much you could potentially borrow, use our mortgage calculator.
Can I trust Núa?
Núa Mortgages is a financial services provider regulated by the Central Bank of Ireland, which means the firm is subject to two sets of regulations that protect you when you buy a financial product or use a service.
- Prudential regulations are in place to make sure firms are financially sound and safely managed.
- Conduct of business rules are there to protect you when you buy a financial product or service.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
Mortgage lenders in Ireland
