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.
7 guides
Lender Guides
AIB, BOI, EBS, Avant Money, Haven, ICS, PTSB — compared and explained.
14 guides
Schemes & Grants
Help to Buy, First Home Scheme, Local Authority Home Loan, SEAI grants.
8 guides
Mortgage Process
From AIP to drawdown — every step of getting your mortgage explained.
56 guides
Mortgage Rates
Fixed, variable, tracker — current rates compared across all lenders.
5 guides
Mortgage Basics
Protection, overpayments, stress tests — the fundamentals explained clearly.
6 guides
Latest Guides
Updated regularly as rates and rules change.
Mortgage Term Ireland 2026: Length Options & Impact on Repayments
Mortgage term Ireland: understand 20-35 year options, age limits, monthly payment impact, total interest costs, and how to change your term later.
Local Authority Mortgage Ireland 2026: Rebuilding Ireland Loan
Local authority mortgage Ireland guide: Rebuilding Ireland Home Loan eligibility, income limits, rates, and how to apply through your county council in 2026.
Help to Buy Scheme Ireland 2026: Eligibility & Claim Process
Help to Buy scheme Ireland 2026: full guide to eligibility, the €30k cap, claiming process, new builds vs self-builds, and how it works with your mortgage deposit.
Mortgage Switching Ireland 2026: Process, Savings & Cashback
Mortgage switching Ireland 2026: complete guide to changing lender, potential savings of €2,000–€5,000+ yearly, cashback offers, legal costs, and step-by-step process.
Fixed vs Variable Mortgage Ireland 2026: Which is Best?
Fixed vs variable mortgage Ireland 2026: Compare rates, break fees, ECB impact. Understand which mortgage type suits your situation and risk tolerance.
Mortgage Life Insurance Ireland 2026: Cost & Requirements
Mortgage life insurance Ireland is legally required for home loans. Compare costs, understand declining cover, and find the best policy for your mortgage in 2026.
How Much Mortgage Can I Get Ireland 2026? Calculator & Rules
How much mortgage can I get in Ireland? Maximum borrowing is 3.5x your gross income under Central Bank rules. Full guide with examples and deposit requirements.
Mortgage Pre-Approval Ireland 2026: AIP Process & Timeline
Mortgage pre-approval Ireland: get approval in principle (AIP) before house hunting. Documents needed, timeline, validity period, and what happens next.
PTSB Mortgage Review Ireland 2026: Rates & Application
PTSB mortgage review 2026: current rates, green mortgage discounts, switcher cashback, application process, and who PTSB works best for in Ireland.
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).