Irish Mortgage Advice - AI Assistant

🏠 Mortgage AI Assistant

● Online

Free & Open

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Irishhub AI

Hello! I'm your free Irish mortgage advisor. I can help with affordability, current rates, lender comparison, and the application process. What's your question?

AI guidance only — always verify rates with lenders. Not financial advice.

Current Market Overview

~3.5%

Average Rate (early 2026)

€330,000+

Avg Mortgage Amount

3.0%–4.5%

Rate Range

57%+

First-time Buyers

Mortgage Calculators

💰 Affordability Calculator

📊 Payment Calculator

Central Bank Rules

First-Time Buyers

Income Multiple: 4.0x

Deposit Required: 10%

Help to Buy: Up to €30,000

Second-Time Buyers

Income Multiple: 3.5x

Deposit Required: 10%

Stamp Duty: 1% up to €1M

Buy-to-Let

Deposit Required: 30%

Rental Coverage: 140% of payments

📋 Standard Mortgage Application Requirements (Ireland)

To apply for a mortgage in Ireland, most banks and lenders typically require the following documentation:

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1. Mortgage Application Form

Fully completed and signed application form from the lending institution.

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2. Proof of Employment & Income

Salary Certificate completed by your employer.
3 most recent, consecutive payslips.
Employment Detail Summary (EDS) for the last 2 years (formerly known as P60).
If your income is non-basic (includes bonuses, commissions, shift/overtime pay) or you're on a contract:
3 years of Employment Detail Summaries (EDS) from Revenue.ie to verify income consistency.

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3. Bank Account Statements

6 months of statements for all non-AIB bank accounts, including:
Credit unions
Revolut / N26 / Wise accounts
Any other banking institution
Statements must be within 2 months of the application date.

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4. Proof of Rent (if applicable)

If you're currently renting:
Evidence of regular rent payments via standing order/direct debit on your bank statements.
OR a copy of the lease/rental agreement, if bank statements don't show regular payments.

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5. Residency & Legal Status

Copy of your residency visa, if not an EU/EEA/Swiss citizen.

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6. Foreign Credit History

If you have lived outside Ireland in the past 3 years, you may need to provide a foreign credit check from that country.
This is not required for Approval in Principle (AIP), but will be required if proceeding with the mortgage.

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7. Childcare Costs (if applicable)

Disclosure of any ongoing childcare costs, as they affect affordability assessment.

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📝 Additional Tips

Keep your documents up to date and legible.
Revenue documents can be accessed via MyAccount on Revenue.ie.
Ensure joint applicants submit documents for both parties.
Consider organizing documents in a folder before applying.
Make copies of all documents before submission.

Current Lenders

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Important Notice

Irishhub is a free community resource providing general guidance about mortgages in Ireland. Rates, rules, and eligibility criteria change regularly. Always consult a qualified mortgage broker or financial advisor.

centralbank.ie ccpc.ie citizensinformation.ie

Irish Mortgage AI Assistant