We’re with you for life’s biggest move
Start your mortgage journey with a partner you can trust: Irish Mortgage Corporation is Ireland’s largest and oldest mortgage broker over the last 36 years.
Whether you’re a first-time buyer, subsequent buyer or a switcher, we will be with you, every step of the way free of charge.
Rates updated: 2026-05-19 16:00:06 UTC
We work with all major lenders in Ireland to secure the best mortgage rate for you.
Looking to buy a home
Need a first time buyer mortgage? we’ll help you find the best mortgage option.
Buy to let mortgage
We have helped 1000’s with their property portfolios for the last 35 years.
Crunch the numbers
Our mortgage calculator uses a combination of live interest rates currently available on the market and the information you provide.
Our calculator is designed to give you a good idea of what your mortgage repayments could look like.
DIGITAL MORTGAGE PORTAL
Your mortgage at your fingertips
A fully digital mortgage portal, with real people behind it.
Track your application in one place, in real time, while an expert IMC advisor guides you from first chat to keys – working to secure the best available rates for you, hassle free.
Starting from scratch or halfway there, our digital mortgage portal keeps everything at your fingertips
We're blushing
Every mortgage we arrange is a real family, a real story, and we’re honoured to play a role in that.
Read some of the reviews we’ve received from satisfied homeowners nationwide.
Still have questions?
You can talk to any of our mortgage advisors for advice for free and unbiased information or take a look at our faqs
What is considered a First-Time Buyer (FTB?)
A first-time buyer (FTB) is someone purchasing a home for the first time and who has never owned or co-owned any property in Ireland or abroad. This status makes you eligible for certain benefits, such as the Help-to-Buy (HTB) scheme and preferential mortgage terms. Visit our first time buyer section
What is my borrowing limit?
First-time buyers: usually up to 4 times gross annual income.
Example: €80,000 income → about €320,000 max mortgage.
Second and subsequent buyers: usually up to 3.5 times gross annual income.
Example: €80,000 income → about €280,000 max mortgage.
Exceptions: lenders can issue a limited number of loans above the standard limits. The Central Bank says lenders may allocate up to 15% of first-time buyer and mover lending above the standard loan-to-income limits.
When should I switch my mortgage provider?
You should usually start looking 3 to 6 months before your fixed mortgage rate ends. This gives you time to compare rates, apply, and avoid slipping onto a more expensive variable rate
What schemes are available in Ireland?
- Help to Buy Scheme — helps first-time buyers with the deposit for a new-build home or self-build, using a refund of income tax and deposit interest retention tax paid.
- First Home Scheme — a shared-equity scheme that helps eligible first-time buyers and some other buyers bridge the gap between their mortgage, deposit, and the price of a new home.
- Local authority and affordable housing supports — some buyers may qualify for local authority affordable purchase schemes or related government supports, depending on income, property type, and location.
- Property grants — grants may be available for certain works, energy upgrades, vacant homes, or accessibility needs, depending on the property and buyer circumstances.
The right scheme depends on whether you are a first-time buyer, buying new or second-hand, your income, and the property price.
Do I need mortgage protection insurance?
Yes — in most cases, you need mortgage protection in Ireland.
For a standard home mortgage, your lender must make sure you have mortgage protection before the mortgage is drawn down. It pays off the mortgage if you die during the term.
There are some exceptions, for example if you are over 50 when the loan is approved, cannot get cover due to age or health, the property is not your main home, or you already have enough suitable life cover.
Quick Cost Snapshot
A simple at-a-glance estimate of your monthly payments based on the loan amount.
To explore your options in more detail and get a more accurate figure, head over to our comprehensive mortgage calculator.
€345,000
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This repayment estimate assumes a rate of 3% over a 35-year term. Actual rates and repayments may vary depending on lender criteria and your individual circumstances.
Insights, tips and guidance
We keep up-to-date with the market to provide you with the best mortgage information, guidance and data.
WARNINGS
If you do not keep up your repayments, you may lose your home.
If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
The payment rates on this housing loan may be adjusted by the Lender from time to time.
Your interest rate may increase and the amount of your mortgage repayments may increase as a result.
You may have to pay charges if you pay off a fixed rate loan early.
The entire amount that you have borrowed will still be outstanding at the end of the interest only period.
You should consider the total cost of a mortgage loan, including any potential additional cost of an incentive offered with it.