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 3-year and 5-year fixed rate mortgages and equity-release solutions for different borrower needs:
What’s unique about Nua?
While Nua currently focuses on standard residential mortgages and refinancing solutions and does not offer buy-to-let or self-build mortgages, it aims to make mortgages more accessible to a wider range of borrowers.
- Income recognition: Núa maximises your borrowing power by counting 100% of non-means-tested social welfare as standard income and uplifting the recognised salary of newly qualified professionals by 10% (subject to conditions).
- Fast-track for non-EEA nationals: Expats relocating to Ireland can qualify for a mortgage after just 3 months of residency and draw down funds after 6 months, bypassing the typical 1-2 year wait required by traditional banks.
- Extended terms and age limits: To help keep monthly repayments manageable, Núa offers longer mortgage terms of up to 40 years and allows loans to mature up to the borrower’s 75th birthday.
Lending is subject to Central Bank of Ireland mortgage measures, including Loan-to-Value (LTV) and Loan-to-Income (LTI) limits.
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.
Eligibility and lending criteria
- Income Limits and borrowing limits: You must earn at least €25,000 for a single application, or a combined €50,000 for a joint application. First-Time Buyers can borrow up to 4 times their gross annual income, while Home Movers are capped at 3.5 times.
- LTV and loan size The minimum mortgage they will issue is €50,000, up to a maximum of €2,000,000, and you’ll need a minimum 10% deposit (90% Loan-to-Value) for standard residential purchases.
- Deposit funds and proof: Your deposit funds must have been sitting in an EU or UK bank/credit union account for at least 3 months. Your deposit can be gifted by up to five different family members, provided they sign a declaration that the money is not a loan.
- Age and mortgage term: The mortgage must be fully paid off by the 75th birthday. The minimum term is 5 years, and the maximum is 40 years.
- Residency and banking: The property must be located in the Republic of Ireland. (They do not offer Buy-to-Let or self-build mortgages. and deposit funds must be held in an EU or UK account for at least 3 months, and large “gifted” deposits require specific declaration forms from family members.
As with all lenders, a limited number of exceptions to standard Loan-to-Income limits may be available each year, subject to Central Bank guidelines
Why choose Núa?
Núa is a digital-first mortgage lender, not a full-service bank. With streamlined systems designed for speed and efficiency, it focuses solely on mortgage lending (no current accounts or deposits) and offers:
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
