Can UK citizens buy property in Ireland?

Yes, with no restrictions on foreign ownership. Post-Brexit, the process requires a few additional steps but remains straightforward.

What deposit do I need?

Non-resident buyers typically need 30% deposit. Resident buyers need 10-20%.

Are Irish mortgage rates competitive?

Irish rates have historically been higher than UK rates, but the gap has narrowed significantly. Fixed rates for 5-10 years are increasingly common.

Do I need an Irish bank account?

Yes, for mortgage payments and property expenses. Opening an account remotely is possible with most Irish banks.

Irish Property Mortgages

Ireland offers strong property opportunities for UK buyers. We help navigate cross-border mortgage options and Irish lending requirements.

Buying Property in Ireland

Ireland's proximity to the UK, shared language, and strong economy make it popular with UK property buyers — whether for investment, retirement, or cross-border living. Irish banks offer mortgages to non-residents, and some UK lenders also provide cross-border lending. Post-Brexit, the process has some additional considerations, but remains straightforward with the right guidance.

Irish bank and UK cross-border lending options
Investment, retirement, and family home finance
Post-Brexit purchase requirements explained
Irish tax implications for UK residents covered
free initial advice cross-border mortgage advice

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Irish Mortgage Options

Irish banks (AIB, Bank of Ireland, permanent TSB) offer mortgages to non-resident buyers, typically requiring 30% deposit (compared to 10-20% for residents). Loan terms of 25-35 years are available, and rates are competitive.

Cross-Border Considerations

Post-Brexit, UK citizens can still freely buy property in Ireland. However, you'll need to consider currency exchange (GBP to EUR), Irish tax registration (PPS number), and potentially different insurance requirements.

Irish Property Tax

Ireland charges Local Property Tax (LPT), stamp duty (1% up to €1m, 2% above), and capital gains tax at 33% on property disposals. Rental income is taxable in Ireland, with UK residents also declaring to HMRC (with double taxation relief).

The Purchase Process

Irish property purchases follow a similar process to the UK but with some differences. Surveys are recommended but not mandatory. Contracts are typically exchanged with a 10% deposit, and completion follows 4-6 weeks later.