Mortgage123 Blog

Budget 2026 housing
Mortgage News

Budget 2026: Key Measures for Housing in Ireland

Key Points: First time buyer support schemes Help to Buy Scheme (HTB) First Home Scheme (FTS) Rent tax credit Increase of housing supply Reduced VAT on sale of new apartments Residential Zoned Land Tax Reform (ZLTR) Stamp Duty Residential Rebate Scheme Derelict property tax   Many of the Budget 2026’s

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Mortgage Tips

How to find your Building Energy Rating (BER) and BER Certificate

A current 2024 trend in the Irish mortgage market are the so called ‘green rates’ for mortgages. Lenders are rewarding borrowers for purchasing homes with good energy rating, with green fixed rates over 1% lower than leading market rates. Furthermore, in April Bank of Ireland introduced the EcoSaver mortgage providing

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income protection
Mortgage Tips

Income Protection Insurance: your mortgage’s best friend

  Guest Blog Post by Darach Honan, QFA, Director of Honan Financial Services  Hey there, homeowners-to-be! Picture this: you’ve found your dream home, signed the dotted line, and are now living the good life in your cozy abode. But wait, have you ever thought about what would happen if life

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Mortgage Tips

Self-Employed Mortgage Applications Ireland (Top Tips)

Getting a mortgage when you are self-employed in Ireland can sometimes be more challenging than for PAYE workers. Self-employed mortgage applications can take longer to process for the self-employed. So, be patient and be prepared to provide additional documentation when requested. Who is classed as self-employed? If you have PAYE

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Budget 2024
Mortgage News

Budget 2024 (Focus on Housing)

The budget 2024 package announced on the 1oth of October, consisted of €6.4 billion. Additional public spending was €5.2 billion and taxation measures, €1.1 billion. Will there be changes to government grants and more aid for first time buyers? In this blog post, we summarise the key new measures related

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Timber Framed Houses
Mortgage Tips

Modular Timber Frame Houses (Getting a Mortgage)

Modular Timber Frame Houses A modular home is a type of house constructed off-site in a factory setting, in individual sections or “modules,” and then transported to a customer’s location for final assembly. These homes could be concrete or more often timber frame. For example, the Scandinavian Homes product is

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