Expat Mortgage

As an Expat getting a mortgage when you return home can be frustrating. Expat mortgage lenders are our speciality and we have secured hundreds of mortgages for Irish abroad.

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Spotlight

Securing an expat mortgage in Ireland

Are you an Irish citizen and working overseas? And, are you considering buying a property back home and looking for financial guidance? Top Mortgages is one of Ireland’s leading Expat Mortgage specialists and we are here to help you apply for a residential mortgage within the lending market.

30% Deposit

You can borrow up to 70% of the value of the property you want to take out your first mortgage on.

4x Your Income

The maximum amount you can borrow is 4x times your income or combined income on a joint application.

FTB Grants

A number of financial grants for first time buyers exist in 2025, BUT they are restricted to new build houses only.

Application Process

Fast track your expat mortgage application

Get expert guidance every step of the way with a dedicated broker, making your mortgage approval process faster and stress-free.

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"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"

Jeff McCabe
Broker Benefits

Compare all Irish lenders for the best repayment terms

Working with multiple Irish lenders to find the most competitive rates and flexible repayment options, tailored to suit your needs.

With

Top Mortgages
  • Wide Range of Products
    Home loans & mortgage protection insurance
  • Personalized Service
    Unbiased financial advice tailored to your personal circumstances
  • Customized Solutions
    Self-employed, Expats & special cases welcome
  • Access to Exclusive Deals
    Mortgage rates & options not available direct from retail lenders
  • Expert Market Knowledge
    Every mortgage rate from all Irish lenders
vs

Traditional Mortgage Lender

  • Limited product range
  • Generic financial advice
  • Very limited loan solutions
  • Inflexible appointment times
  • Default bias to their products only
  • Frequent 'Computer-Sayes-No' attitude
  • No guarantee your getting the lowest rate
  • Single insurance option for mortgage protection
  • Averse to handling previous credit issues
  • Restrictive equity release & debt consolidation
Talk to a Mortgage Specialist

"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."

Feena Flanagan
Frequently Asked Questions

Questions about expat mortgages you didn't think to ask!

Truth is, you might have alot more questions and our experts can answer them all.

Yes an expat can get a mortgage in Ireland with the help of a mortgage broker but the lending criteria is stricter

You will need a deposit of 30% of the mortgage value for an expat mortgage in Ireland

You need to be living and working in Ireland for a minimum of a year to be able to apply for a mortgage here

Guides

Stay in the know with our guides

Empower yourself with the knowledge to make smart financial decisions. Our expat mortgage guides are designed to educate and give you the confidence to navigate the mortgage process like a pro.

Its never too soon to start talking about your mortgage

Save thousands on your home loan - just like thousands of other Irish homeowners since 2017

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