Irish Mortgage Guides
Plain. Accurate. Independent.
Everything you need to know about getting a mortgage in Ireland — from Central Bank rules and deposit requirements to lender rates and government schemes.
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First-Time Buyers
Borrowing rules, deposits, schemes and step-by-step guides.
Lender Guides
AIB, BOI, EBS, Avant Money, Haven, ICS, PTSB and more.
Schemes & Grants
Help to Buy, First Home Scheme, Local Authority Home Loan.
Mortgage Process
Rates, fixed vs variable, protection, remortgaging.
Gift Letters
Template guides for every Irish lender.
Calculators
Monthly repayment tables and borrowing calculators.
Latest Guides
Breaking a Fixed Rate Mortgage in Ireland 2026: Break Fees Explained
Breaking a fixed rate mortgage in Ireland — how break fees are calculated, when it makes sense to break, lender policies, and how much you could save by switching.
Mortgage ProcessMortgage After Separation or Divorce in Ireland 2026: Your Options Explained
Mortgage after separation or divorce in Ireland — how to remove a name from a joint mortgage, buy out a partner, what courts can order, and how to get a mortgage after divorce.
First-Time BuyersSelf-Employed Mortgage Ireland 2026: How to Qualify and What Lenders Look For
Self-employed mortgage Ireland 2026 — what documents you need, how lenders assess your income, which lenders are most flexible, and how contractors can borrow more.
Mortgage RatesTracker Mortgage Ireland 2026: Should You Fix Your Tracker Rate?
Tracker mortgage Ireland 2026 — what tracker mortgages are, what they're worth, whether to fix now, and what happened to tracker redress customers.
Schemes & GrantsLocal Authority Home Loan Ireland 2026: Rates, Eligibility & How to Apply
Local Authority Home Loan Ireland 2026 — fixed rates from 2.72%, eligibility for applicants refused by two banks, income limits, and how to apply to your council.
First-Time BuyersMortgage Calculator Ireland 2026: Calculate Your Repayments Instantly
Irish mortgage calculator 2026 — estimate your monthly repayments, total interest cost, and maximum borrowing based on current Irish lender rates and Central Bank rules.
Mortgage Bible is an independent information resource. Content is for informational purposes only and does not constitute financial advice. Always verify current rates, rules and eligibility directly with lenders or the relevant government body (Revenue.ie, centralbank.ie, gov.ie).