Non-Resident Mortgages
Mortgages Outside Ireland
Whether you're an Irish expat buying back home, a non-resident investing in Irish property, or looking to purchase internationally — we connect you with specialist mortgage brokers who understand cross-border lending.
Mortgage advice is regulated by the Central Bank of Ireland. Always use an authorised mortgage intermediary.
What You Need to Know
Which lenders accept non-residents?
Bank of Ireland, AIB, Avant Money, Haven, and ICS Mortgages all consider non-resident applications. Each has different criteria around income source, currency, and employment type.
Income in a foreign currency
Lenders apply a currency haircut (typically 10–20%) to foreign-currency income to account for exchange rate risk. A broker can advise which lenders are most favourable for your currency.
What documents do you need?
6 months of bank statements, 3 months of payslips (or 2 years accounts if self-employed), proof of identity and address, and evidence of deposit funds. English translations required where applicable.
Central Bank lending rules still apply
The Central Bank of Ireland's mortgage rules apply to non-residents too. First-time buyers can borrow up to 4× income with a 10% deposit. Second-time buyers need a 20% deposit.
You still need an Irish solicitor
Regardless of where you live, the conveyancing must be handled by an Irish-registered solicitor. OneClickGo can connect you with solicitors experienced in non-resident purchases.
Buying internationally too?
If you're considering purchasing property in Spain, Portugal, France, or further afield, international mortgage products are available through specialist brokers.
Get matched with a non-resident mortgage broker
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Frequently Asked Questions
Can I get a mortgage in Ireland if I live abroad?
Yes. Non-residents and Irish citizens living abroad can apply for mortgages from Irish lenders. Lenders such as Bank of Ireland, AIB, and Avant Money all consider non-resident applications, though lending criteria and income verification requirements differ from standard applications.
What income do Irish lenders accept from abroad?
Irish lenders will typically accept foreign income from stable employment in EU/EEA countries, the UK, USA, Canada, and Australia. You will need payslips or employment contracts, P60 equivalents, and bank statements translated if not in English.
Do I need to be in Ireland to apply for a mortgage?
No. The mortgage application process can be completed remotely. You will need a solicitor in Ireland to handle the conveyancing, and a mortgage broker can manage the lender application on your behalf.
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