Guides, news, and tips to help you navigate the Irish mortgage market with confidence from expert brokers.
Your income is the engine behind every mortgage repayment. So what happens if illness or injury stops it? Here's how income protection keeps your home and your plans safe.
By the Mortgage123 team · 14 Jan 2026
When Avant Money launched its “One Mortgage” product in Ireland, it changed the mortgage market almost overnight. For the first time, Irish borrowers were given the option to fix their interest rate for the entire term of their mortgage — up to 30 years.
If you want the house of your dreams, then a self build mortgage may be right for you. You will be able to design your future space exactly as you envision!
Credit Union mortgages have attracted media attention since October 2018 when the Central Bank commenced a public consultation for review of the Credit Union lending regulations. This is with a view of increasing the value of loans available to mortgage lending by credit unions. The proposed changes may increase credit unions capacity for home lending from €175m to €861m.
Time and time again we hear that building more houses is the solution to the housing crisis. However, buying a site and building your own house do not have the reputation of an adventure for the fainthearted. Still, this can be achievable if you are familiar with the process and know your budget. In this blog post, we focus on the buying of a site to build your own house from a mortgage perspective.
Mortgage rule changes leading to easing of mortgage lending limits will mark the start of 2023. The Irish Central Bank announced that mortgage borrowing limits were to be eased with the effects coming into practice in January 2023. It was something that is welcome on the backdrop of wages not quite having caught up with inflation and rising house prices.
So, you are thinking of building your own house in Ireland. It may seem overwhelming and confusing to know how and where to begin the process.
The derelict house grant or the Vacant Property Refurbishment Grant was launched on 14 July 2022. We are getting enquiries for mortgages to purchase such properties. However, securing a mortgage for the purchase of a derelict/vacant building may not be straightforward. Furthermore, you have to be clear how the Grant works exactly and what is covered.
A year of lenders rising their rates and a lack of housing available to purchase. It's been a tough one. The 2023 housing market predictions better be pleasant, we hear you say.
Difficult properties to mortgage may cause a huge deal of disappointment at the mortgage offer stage. Did you know that there are certain property types that are difficult to get a mortgage for?