Can foreigners get a mortgage in Ireland in 2026?

Expect checks on employment or business income, tax returns, bank statements, existing loans, age, residence status and credit records. Foreign documents may need accepted translation. Income paid outside the euro area creates exchange-rate risk on every repayment.

Central Bank measures generally require at least a 10% deposit for first-time and second or subsequent owner-occupiers (90% LTV), and about 30% for buy-to-let. Loan-to-income caps sit near four times gross income for first-time buyers and 3.5 times for second or subsequent buyers, with limited lender allowances above the caps. There is no passport shortcut around those rules. You will also need an Irish account path for disbursement and repayments: Open a bank account.

The bank examines the property. Weak title, unfinished works, thin resale demand or unresolved management company debt can cut or stop lending: Condominium fees and Freehold vs leasehold.

Budget stamp duty, solicitor fees and survey costs outside the mortgage: Property purchase costs. Non-resident and recent-arrival files often need stronger cash and longer income history even when LTV maths look fine. Immigration permission to live in Ireland is separate from owning or borrowing: Apply for residence permission. Rebuild the month: Monthly budget.