Irish Mortgage Guides
Plain. Accurate. Independent.
Everything you need to know about getting a mortgage in Ireland — from Central Bank rules and deposit requirements to lender rates and government schemes. No jargon. No affiliate links.
- ✓Specific to Ireland — Central Bank rules, Irish lenders, euros
- ✓Independent — no affiliate links, no lender payments
- ✓Plain English — no jargon, just clear answers
- ✓Updated regularly — rates and rules change fast
Browse by Topic
Pick the guide that matches where you are in your mortgage journey.
First-Time Buyers
Central Bank rules, deposit requirements, Help to Buy, step-by-step guides.
6 guides
Lender Guides
AIB, BOI, EBS, Avant Money, Haven, ICS, PTSB — compared and explained.
11 guides
Schemes & Grants
Help to Buy, First Home Scheme, Local Authority Home Loan, SEAI grants.
5 guides
Mortgage Process
From AIP to drawdown — every step of getting your mortgage explained.
43 guides
Mortgage Rates
Fixed, variable, tracker — current rates compared across all lenders.
3 guides
Mortgage Basics
Protection, overpayments, stress tests — the fundamentals explained clearly.
3 guides
Latest Guides
Updated regularly as rates and rules change.
Structural Survey Ireland 2026: Do You Need One and What Does It Cost?
Structural survey Ireland 2026: what it covers, when you need one, typical costs (€400-€800), and how it differs from a lender valuation. Essential guide for buyers.
What Happens After Sale Agreed in Ireland: A Step-by-Step Guide
What happens after sale agreed in Ireland? Complete timeline from booking deposit to keys, including contracts, surveys, mortgage approval and closing.
Income Protection Insurance Ireland 2026: How It Works and Why Mortgage Holders Need It
Income protection insurance Ireland replaces your salary if illness or injury stops you working. Essential cover for mortgage holders — how it works, costs, and tax relief.
Home Renovation Loan Ireland 2026: Mortgage Top-Up vs Renovation Loan
Home renovation loan Ireland 2026 — compare mortgage top-ups, home improvement loans, SEAI-linked finance, and credit union options. Rates, terms, and tax relief.
Second Home Mortgage Ireland 2026: Holiday Home and Second Property Rules
Second home mortgage Ireland guide: deposit requirements, lenders who offer them, stamp duty rules, and whether Airbnb income counts in 2026.
Getting a Mortgage on Maternity Leave in Ireland 2026
Can you get a mortgage on maternity leave in Ireland? Most lenders use full salary with return-to-work letter. Complete guide for 2026 including paternity leave.
Avant Money One vs Flex Mortgage Ireland 2026: Which Is Right for You?
Avant Money One vs Flex: Fixed for life or fixed for now? Compare rates, LTV limits, break fees, and real scenarios to pick the right Avant mortgage in 2026.
Best Mortgage Rates in Ireland 2026: Full Lender Comparison
Best mortgage rates Ireland September 2026. Compare fixed and variable rates across all lenders by LTV band. Updated rates, cash-back offers, and switching deals.
Breaking a Fixed Rate Mortgage in Ireland 2026: Break Fees Explained
Breaking a fixed rate mortgage in Ireland — how break fees are calculated, when it makes sense to break, lender policies, and how much you could save by switching.
Not sure where to start?
Our first-time buyer guide covers everything from deposits to drawdown in plain English.
Read the FTB GuideMortgage Bible is an independent information resource. All content is for informational purposes only and does not constitute financial advice. Always verify current rates, rules and eligibility directly with lenders or the relevant government body (Revenue.ie, centralbank.ie, gov.ie).