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.
8 guides
Lender Guides
AIB, BOI, EBS, Avant Money, Haven, ICS, PTSB — compared and explained.
16 guides
Schemes & Grants
Help to Buy, First Home Scheme, Local Authority Home Loan, SEAI grants.
9 guides
Mortgage Process
From AIP to drawdown — every step of getting your mortgage explained.
59 guides
Mortgage Rates
Fixed, variable, tracker — current rates compared across all lenders.
6 guides
Mortgage Basics
Protection, overpayments, stress tests — the fundamentals explained clearly.
12 guides
Latest Guides
Updated regularly as rates and rules change.
Equity Release Ireland 2026: Lifetime Loans Explained
Equity release Ireland 2026: How lifetime loans work, costs, providers, and alternatives for Irish homeowners. Complete guide to unlocking property wealth.
Mortgage for Gardaí and Teachers Ireland 2026
Mortgage for gardaí teachers Ireland: preferential rates, special schemes, and how public sector employment strengthens your mortgage application in 2026.
Foreign Income Mortgage Ireland 2026: Complete Guide to Buying with Non-Euro Income
Foreign income mortgage Ireland 2026: How Irish lenders assess non-euro income, currency conversion rules, documentation requirements, and approval strategies.
Mortgage for Separated Couples Ireland 2026: Your Complete Guide
Mortgage for separated couples Ireland: how separation affects joint mortgages, buying out your partner, refinancing solo, and lender requirements in 2026.
Mortgage Arrears Ireland 2026: Rights and Options
Mortgage arrears Ireland: understand MARP, your legal rights, restructuring options, and how to protect your home when facing payment difficulties in 2026.
Central Bank Mortgage Rules Ireland 2026: LTV, LTI Limits & Exemptions Explained
Central Bank mortgage rules Ireland 2026: understand LTV limits, 3.5x income cap, exemption quotas, and how these rules affect your borrowing power.
KBC Mortgage Transfer Ireland 2026: What You Need to Know
Complete guide to KBC mortgage transfer to Bank of Ireland in Ireland. Understand rate changes, your rights, and whether switching offers better value in 2026.
Ulster Bank Mortgage Transfer Ireland 2026: What Happened and Your Options Now
Ulster Bank mortgage transfer to PTSB explained: what happened to your loan, rate changes since 2023, and whether you should switch lenders in 2026.
Mortgage Payment Protection Insurance Ireland 2026
Mortgage payment protection insurance Ireland explained: what it covers, how it differs from life cover, costs, and whether you need it in 2026.
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).