Mortgages from Núa

Núa offers a range of tailored mortgages for every lifestyle. Enjoy smart, simple borrowing with Ireland’s first fully digital mortgage platform.

What mortgages do Núa offer?

Núa offers a unique range of mortgage solutions for all types of borrowers.

  • Nua First Home: A fast, hassle-free mortgage service for first time buyers. Benefit from flexible terms, better borrowing potential and online convenience.
  • Nua Mover: A streamlined mortgage process for home movers promising a rapid loan decision and drawdown. Simplified documentation and tailored terms are offered.
  • Nua Switcher: A seamless switching process with flexible terms makes refinancing simple. Enjoy a straightforward application process and a quick decision.
  • Nua Switcher Extra: Release equity and free up cash flow with this additional borrowing solution. Tax-free money, released from the value of your own home.
  • Nua Switcher One: An option to simplify your finances and consolidate short-term debts responsibly. Structure and spread your debts over a longer period to reduce monthly payments.
  • Nua Home Plus: Access the value in your home - up to €250k - and enjoy tax-free cash with no restrictions on how you use the funds. You must be mortgage-free to avail of this offer.

Compare mortgages

How to apply for a mortgage with Núa

Núa mortgages are available through their carefully selected brokers who provide expert, impartial mortgage advice.

Broker appointments are free, and your chosen broker will guide you through your mortgage options and application process.

About Núa Money

Núa claims to be Ireland’s first fully digital mortgage platform and is on a mission to revolutionise the mortgage market in Ireland by making the mortgage process easier and more accessible.

They offer a range of innovative home loans and refinancing options, available through a panel of selected brokers.

Núa Money Limited is regulated by the Central Bank of Ireland.

Núa mortgages FAQs

What do mortgage brokers 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 get an estimate of 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.

  1. Prudential regulations are in place to make sure firms are financially sound and safely managed.
  2. 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

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 01/12/2024