Your Complete Guide to
Irish Mortgages
From first-time buyers to self-builds on family land — plain-English guides, a free repayment calculator, and side-by-side lender comparisons. Everything you need to get mortgage-ready in Ireland.
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Central Bank max: 4× gross annual income
Average Irish fixed rate: ~3.2% – 4.5%
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Indicative rates for comparison only — always confirm current rates directly with the lender or a regulated mortgage broker.
* Rates shown are indicative and subject to change. Last updated May 2026. Always check directly with the lender for the current rate applicable to your application.
Most Popular Guides
Our most-read articles covering the questions Irish buyers ask most.
AIB Gift Letter for Mortgage in Ireland – Essential Guide + 15 Key Insights
What is a Gift Letter and Why Do You Need One? A gift letter is a formal document stating that money given to a homebuyer is a non-repayable gift and not a loan. When you’re applying for a mortgage in Ireland—especially with a bank like AIB (Allied Irish Banks)—this document helps clarify the source of […]
Self-Build on Family Land: Site Ownership and Mortgage Requirements
When planning a self-build on your parents’ land in Ireland, one of the most common questions is whether the site needs to be in your name before starting the mortgage process. Let’s break down what you need to know. Do I Need the Site in My Name First? The Short Answer: Yes, most Irish lenders […]
The First Home Scheme: Your Guide to Getting on the Property Ladder in Ireland
What is the First Home Scheme? The First Home Scheme (FHS) is a government-backed shared equity initiative designed to bridge the funding gap for first-time buyers in Ireland. The scheme helps eligible buyers purchase new homes by providing up to 30% of the property’s cost in partnership with participating lenders 1. Who Can Access the First […]
Complete Guide to Getting a Mortgage with AIB (2025)
Are you considering a mortgage with AIB? This comprehensive guide walks you through everything you need to know about securing a home loan with one of Ireland’s largest banks. AIB Mortgage Options AIB offers several mortgage types: Current AIB Mortgage Rates (2025) [Note: Since my knowledge cutoff is April 2024, you’ll want to update these […]
Accurate & Up-to-Date
Our guides are reviewed and updated regularly to reflect the latest Central Bank rules, lender rates, and scheme eligibility criteria.
Based on Central Bank Rules
All content references official Central Bank of Ireland mortgage lending rules. We cite sources and link to official schemes like the First Home Scheme and Help to Buy.
Not Financial Advice
Mortgage Bible is an information resource, not a regulated financial advisor. For personalised advice, speak to a regulated broker or lender. We help you understand — not decide for you.