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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.
Complete our online fact check
1Fill out a quick online form with basic details, including the type of mortgage you need, how much you want to borrow, and your income figures.
Get assigned a personal broker
2We’ll assign you a dedicated broker who will be your main contact throughout the process, answering any questions and helping you choose the best home loan option.
Review the documents needed
3We’ll arrange a call at your convenience to go over the documents you’ll need to provide, such as payslips, bank statements, and ID.
We submit your application
4Once your paperwork is reviewed and you’re happy with the mortgage package, we’ll submit your application to the lender and keep you updated on its progress.
Draw down your mortgage
5When your mortgage is approved, we’ll guide you through the final steps of drawing down the funds to purchase your new home.
"Would highly recommend to anyone looking for a stress-free mortgage experience!"
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
- Wide Range of ProductsHome loans & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsMortgage rates & options not available direct from retail lenders
- Expert Market KnowledgeEvery 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
"Paul was invaluable not only for securing the right loan offer but also for our peace of mind"
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.
Can an expat get a mortgage in Ireland?
Yes an expat can get a mortgage in Ireland with the help of a mortgage broker but the lending criteria is stricter
How much deposit do I need for an expat mortgage?
You will need a deposit of 30% of the mortgage value for an expat mortgage in Ireland
How long do I need to live in Ireland to get a mortgage?
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.
