Mortgage Basics
10 guides
The fundamentals of Irish mortgages — protection, overpayments, stress tests, Central Bank rules explained clearly.
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.
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.
Mortgage Interest Relief Ireland 2026: Tax Credits & Eligibility
Mortgage interest relief Ireland 2026: Who qualifies for tax credits, how BTL landlords claim interest, and what legacy TRS relief remains for pre-2012 mortgages.
Buy to Let Mortgage Ireland 2026: Rates, Deposits & Tax
Buy to let mortgage Ireland 2026: Complete guide to deposits (30%+), rates, lenders, rental income assessment, interest-only options and tax implications.
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.
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.
Do Mortgage Brokers Charge a Fee in Ireland? How Brokers Are Paid
Mortgage broker fee Ireland explained: most Irish brokers are free (lender-paid commission). When fees apply, what to watch for, and how to choose a good broker.
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.
Mortgage Protection Insurance Ireland 2026: How to Compare and Save
Mortgage protection Ireland comparison guide: decreasing vs level cover, joint vs dual life, serious illness add-ons, and how to save €1,000s by not buying from your lender.
Mortgage Stress Test Ireland 2026: How It Affects Your Borrowing
How the mortgage stress test Ireland works in 2026. Lenders add 2% to rates to test affordability—often limiting borrowing more than the 4x income rule.