Buy-to-let mortgage Ireland invest with SYS Mortgages
Maximise your investment potential.
Invest in property with best buy-to-let deals
As buy-to-let mortgage advisors, SYS Mortgages does the search for you – saving you time and increasing your success rate.
3.45%
SYS Mortgages, your partner for buy-to-let
mortgages in Ireland
Explore buy-to-let mortgages with competitive rates, designed for those looking to invest in property.Â
The Central Bank of Ireland's lending criteria applies
- While buy-to-let investors aren’t subject to Loan To Income (LTI) restrictions, we assess the applicant’s overall financial status for each application
- The projected rent and mortgage repayment directly influence the loan amount
- Maximum borrowing is 70% of the purchase price (70% LTV)
- Some lenders limit BTL mortgages to areas with larger populations
Buy to let mortgages are available for:
- Individual buy to let investors
- Company buy to let investors
- Pension (unit trusts) investors
Applying for a buy-to-let mortgage
List of documentation required
- Income proof (payslips or EDS for PAYE).
- Six months bank statements from all accounts - current, savings and loan accounts held.
- ID and address verification - passport or driving licence, utility bill or bank statement.
- Property details including address, eircode, value, size, type, build year, and the number of bedrooms.
- The required mortgage amount and term.
- The projected rental income based on current market rates.
- Details of any other properties and loans you may have.
The best Mortgage Rates in Ireland
Rates affect to change, and rate is set at the date of mortgage draw-downÂ
Ireland’s best variable mortgage rate available today
Ireland’s best fixed mortgage rate available today
Ireland’s longest fixed-term mortgage available todayÂ
Cost of buy-to-let mortgage in Ireland: what to expect
Broker fee
This fee is for finding your best lender and managing your application. 
Due when we submit your application.Â
Tax advice
We recommend getting independent tax advice for your investment property. 
We can connect you with SYS Tax Ltd, our partnered tax consultants. Â
Legal fees
You’ll have conveyancing fees for your solicitor and lender. Â
Lender application fee
Some lenders charge a percentage of the applied mortgage, often capped for individuals.Â
Stamp duty
A percentage of the new property’s purchase price is due to Revenue. Â
Engineer's fee
If the property is over 100 years old or the valuer finds potential structural issues, you may need an engineer’s assessment, typically starting from €300.Â
Valuation fee
The lender will need a current property valuation to calculate the loan-to-value ratio. This usually costs between €150 and €180.Â
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