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, mover or a switcher, we will be with you, every step of the way free of charge.

Not sure where to start? Book a free call

FIXED
3.00%
Ireland's best fixed mortgage rate available today
APRC 3.96%
VARIABLE
3.35%
Ireland's best variable mortgage rate available today
APRC 3.86%
SWITCHER
3.00%
Ireland's best switcher mortgage rate available today
APRC 3.96%
BUY-TO-LET
5.30%
Ireland's best buy-to-let mortgage rate available today
APRC 5.64%

Rates updated: 2026-09-04 04:00:05 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.

Switching your mortgage?

Get free advice from one of Ireland’s most trusted advisors.

Ready to move?

Whether you’re trading up, trading down or relocating, we’re here for you.

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.

Posted on Google Google
Shaun Deering profile picture
Shaun D
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Michelle to arrange a mortgage for a refurbishment. She was an absolute pleasure to deal with and made the process much less daunting than going directly to a bank. The communication from the whole team at IMC has been brilliant. They have made the whole process smooth. I can’t praise them enough.
Posted on Google Google
Alison Keogh profile picture
Alison K
1 September 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
From our first phone call to IMC, Luke and the team have been with us every step of the way. The advice and guidance has been invaluable as we navigated the application process. I cannot recommend IMC enough. Knowledgeable, responsive and in our corner all the way. If you are considering buying or moving, don’t hesitate to give them a call.
Posted on Trustindex Trustindex
Adrian profile picture
Adrian
1 September 2026
Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5Verified
Dan ,my mortgage broker was absolutely fantastic from the start to the end of the process, very professional and made all so easy.
Posted on Google Google
Vipin Paul profile picture
Vipin P
31 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a great experience with my mortgage advisor Ms. Ciara and IMC team. They were professional, knowledgeable, and always took the time to explain everything clearly. They made what could have been a stressful process feel much easier and were always available to answer any questions I had. I really appreciated their guidance and support throughout the whole process. I would definitely recommend their services to anyone looking for help with a mortgage.
Posted on Google Google
Pietro Albano profile picture
Pietro A
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’ve been helped twice (first purchase was abandoned for planning issues) in getting a mortage from Eoin. Very professional, responsive and helpful. Highly reccomended
Posted on Google Google
gillian farrelly profile picture
Gillian F
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Incredibly efficient- great communication- made everything so easy. Highly recommend
Posted on Google Google
Pramodh Rathnayaka profile picture
Pramodh R
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Simply the best mortgage broker in Ireland. We had a great experience with IMC. Since it’s our first home and we are both working full time, it was the best idea to choose IMC because we were advised and guided throughout our mortgage journey and gave the best advice from the start. Big thank goes to Ayesha for guiding us throughout till drawdown and Zoe for taking care of the completion of mortgage.
Posted on Google Google
sandareka manathunga profile picture
Sandareka M
30 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a great experience with Irish Mortgage Corporation. A big thank you to Ayesha and Zoe for their amazing support throughout our mortgage journey. They were always helpful and responsive, making the process so much easier for us. Highly recommend!
Posted on Google Google
Hells Bells profile picture
Hells B
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would highly recommend Irish Mortgage Corporation, from start to finish Michelle explained the process, and was swift in her responses,she is excellent at her job going above and beyond. Both Hazel and Steven were also exceptional,with clear communication throughout. I was impressed with the online portal, easy to navigate and upload documents The whole process has been a very positive one, and I have recommended IMC to other friends/family members Thank you for all your help, its much appreciated Five stars 🌟 🌟 🌟 🌟 🌟
Posted on Google Google
Everson Luis de Queiroz profile picture
Everson L
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
They assisted me with all my requirements to get my mortgage approved and insured
Posted on Google Google
Colm Aengus Murphy profile picture
Colm A
27 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This is the second time we’ve used Joe and his team and once again we were very happy with the personal approach and easy process. They were recommended to us and we would highly recommend them.
Posted on Google Google
Qwan Sumatepimolchai profile picture
Qwan S
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Eoin and Hazel have been super helpful and responsive with our application and have the right expertise to guide us through the mortgage process which is crucial for our decision making.
Posted on Google Google
Jason Nolan profile picture
Jason N
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very seamless, had no issues. They ask for what they need, you give it to them and they do the rest. They do a lot of work for what is a free service for us thankfully!
Posted on Google Google
Lizzy Ryan profile picture
Lizzy R
26 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We honestly cannot recommend David Cullen and Zoë Noonan at IMC highly enough. They were beyond amazing throughout our entire mortgage journey, from our first conversation right through to the funds being released. David and Zoë were incredibly helpful, kind, patient and professional at every stage. They explained everything clearly, answered all our questions and always kept us updated, which made what could have been a very stressful and overwhelming process feel straightforward and manageable. No question was ever too much trouble, and we always felt that they genuinely cared about us and wanted the very best outcome for our situation. Their communication was excellent throughout. They were approachable, responsive and reassuring, and we never felt like we were going through the process alone. Their knowledge, guidance and attention to detail gave us complete confidence from beginning to end. They made the whole mortgage experience so much easier and more enjoyable than we ever expected. We are extremely grateful to both David and Zoë for all their hard work, support and encouragement. Thanks to them, we are now able to begin an exciting new chapter in our new home. We would recommend anyone looking for a mortgage to go to IMC and ask for David and Zoë—you genuinely could not be in better hands. Thank you both so much for everything! Kind regards, Elizabeth & Seán
Posted on Google Google
Fernanda Neto de Queiroz profile picture
Fernanda N
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience, IMC was an incredible support to make our dream come true. Highly recommend.
Posted on Google Google
David Kiely profile picture
David K
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fantastic Service. David Cullen is the IMC person I’ve be dealing with and he is doing a fantastic job. From the first phone call to getting AIP David has been so helpful and responsive. I would have no hesitation in recommending IMC and David in particular if you are looking for a mortgage. They take all of the strain and time out of securing a mortgage.
Posted on Google Google
Sandra Byrne profile picture
Sandra B
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Would highly recommend Dylan and all the team at IMC. We have found them to be knowledgeable, professional and supportive from start to finish
Posted on Google Google
Mohamad Aldibai profile picture
Mohamad A
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Grainne, Ciaran, and Claire, and the whole team at Irish mortgage. Thank you for your support in helping me get my mortgage. I commend your professionalism and work ethic.
Posted on Trustindex Trustindex
breffni O'flaherty profile picture
Breffni O
25 August 2026
Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5Verified
excellent service fast and efficient service, great communication from our agent Luke .would recommend to others
Posted on Google Google
Tom Clarke profile picture
Tom C
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great to deal with and with timely responses. They explained the process in a way that very easy to understand and have great relationships with solicitors and the banks which made the process so seamless.
Posted on Google Google
Ronan Doherty profile picture
Ronan D
25 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
IMC have been a great crowd to work with. They have endless patient and always easy to get someone on the phone. Highly recommended
Posted on Trustindex Trustindex
Darragh profile picture
Darragh
25 August 2026
Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5Verified
First-time buyers Michelle was absolutely fantastic in guiding us through the process of buying our first home. Her expertise and patience were invaluable, making what could have been stressful feel smooth and manageable. We felt supported at every step and appreciated her clear communication and helpful advice.
Posted on Trustindex Trustindex
Fiona profile picture
Fiona
25 August 2026
Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5Verified
Expert mortgage assistance Eoin guided us expertly through the process of switching our mortgage, making everything stress-free. His knowledge and responsiveness were fantastic. Highly recommend their services.
Posted on Google Google
burak fermanci profile picture
Burak F
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We are very happy with the service we received from Paddy and the team. The whole mortgage process was smooth, professional and well explained from start to finish. We really appreciated their support and would highly recommend them to anyone looking for mortgage advice.
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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

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.

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

  1. 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.
  2. 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.
  3. 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.
  4. 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.

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.

Loan amount

345,000

Estimated monthly payment

0

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.

Scroll to Top

How can we help?

We will get in touch within 3 business hours.

Checkboxes