Pick the one closest to you and we show the services that fit.
Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
First time buyer, mover, switcher, self build or buy to let. A mortgage advisor checks what the Central Bank rules let you borrow, compares the Irish lenders and guides you from approval in principle to drawdown.
Ballpark figures are fine and no documents are needed yet. An advisor is in touch with what you can borrow and which lenders fit.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
Limits on what lenders can offer, in force since 1 January 2023. Lenders can go above them for a set share of their lending.
| Buyer | Loan to income | Minimum deposit | Lending allowed above the limits |
|---|---|---|---|
| First time buyer | 4 times gross income | 10%, a 90% loan to value | 15% |
| Second and later buyer | 3.5 times gross income | 10%, a 90% loan to value | 15% |
| Buy to let | Not applied | 30%, a 70% loan to value | 10% |
| Switcher | Not applied | Not applied | The lender's own rules |
A first time buyer couple earning €100,000 between them can borrow up to €400,000 under the rules. The same couple buying their second home can borrow up to €350,000. Your lender also checks that the repayments are affordable for you, so the limit is a ceiling, not a promise.
Try the mortgage calculator with your own figures, then tell us about you and an advisor checks them against each lender.
Rates, cashback, fixed periods and conditions differ from lender to lender, and the lowest rate today is not always the cheapest mortgage over the term. We compare the main Irish lenders, including AIB, Bank of Ireland, PTSB, Avant Money and ICS Mortgages, on the total cost.
Then we handle the application: the documents, the approval in principle, the valuation and the loan offer. You deal with one advisor, not four banks.
Buyer type, rough price, deposit and income. Two minutes on the form.
Against the Central Bank rules and each lender's affordability test.
Rates, cashback, fixed periods and conditions, side by side.
We prepare your file and submit it to the lender that fits.
Valuation, loan offer, and mortgage protection compared across insurers.
We stay with you until the funds are released, and review your rate when a fixed period ends.
Your lender must make sure you have mortgage protection before you draw down. It pays off the mortgage if you die. You do not have to take the lender's policy: you can choose your own, and the lender cannot refuse your mortgage because you did not buy theirs.
We compare mortgage protection from every main Irish insurer and have the policy assigned to your lender. The legal requirement does not apply if you are over 50, the loan is not on your home, you already have enough life cover or you cannot get cover.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Up to 4 times your gross income as a first time buyer and 3.5 times as a second or later buyer, with at least a 10% deposit. Lenders can go above the limits for a share of their lending, and they also test affordability. Try the mortgage calculator.
It can be, especially when a fixed period ends. We set the saving against the legal and valuation costs before you decide. Switchers sit outside the Central Bank limits, though each lender applies its own rules.
A refund of income tax and DIRT for first time buyers of a new home, or a self build, costing €500,000 or less. Budget 2027 raised the maximum to €35,000. It is capped at the lowest of €35,000, 10% of the price and the tax you paid in the previous four years.
At least 30% of the price under the Central Bank rules. The lender also looks at the rent the property can earn.
In most cases, yes. Your lender must make sure you have it. It does not apply if you are over 50, the loan is not on your home, you already have enough life cover or you cannot get cover.
No. We compare the main lenders, and you choose whichever fits you best.
Checked 8 October 2026.
Warning: If you do not keep up your repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Warning: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
Warning: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.
Two minutes on the form. An advisor is in touch with your figures and the lenders that fit.