Global Living, Local Expertise SYS Ex-Pat Mortgage Broker
Ex-Pat or Non-Resident Mortgages in Ireland
3.45%
Hassle-free. Simplified Mortgage Process.
Navigating Your Lifestyle
As an expert expat mortgage brokers, we use our expertise to identify appropriate lenders, saving you time and boosting your approval odds. We handle the application process and paperwork, letting you focus on finding a home in Ireland.
Connect with our Expat Mortgage Advisor today to secure your needs
Best Mortgage Rates in Ireland
Rates affect to change, and rate is set at the date of mortgage draw-down
Ireland’s best variable mortgage rate available today
Ireland’s best fixed mortgage rate available today
Ireland’s longest fixed-term mortgage available today
Personalised Financing:
SYS, Your Ex-Pat Mortgage Advisor
Non-Resident Mortgage: Key Facts To Know
- You MUST be a salaried employee to secure a Non-Resident Mortgage
- You MUST purchase a fully finished home; self-build mortgages and builders' finished homes are not applicable
Borrowing Limits
- If you're a first-time buyer, you can borrow up to 4 times your gross income
- * Otherwise, the limit is 3.5 times your income OR combined income if buying with others
- Depending on the lender, you can borrow up to 70% of the house price
- If you earn in a Non-Euro Currency, only 80% of your income is considered due to potential currency fluctuations
Homeownership Beyond Borders
Basic Requirements
- Employment Proof (PAYE applicant)
- Six months bank statements (Current, Savings, Loans)
- Certified ID and Proof of Address
For Non-Residents
- Savings Details (up to 70% of house price can be lent)
- Be an EU Citizen with a reason to own a home in Ireland
- Credit Report (Experian, Equifax)
- CV-style employment history and expected salary, if moving to Ireland
- Current financial commitments
For those continuing employment with an existing employer while moving back to Ireland
Commuting cost details and Work-From-Ireland Confirmation from your Employer
Ex-Pat Mortgages
- Lends up to 70% of house value to non-residents
- Max term is 25 years for personal use
Confirmation of connection to Ireland and intended residence location - For non-euro earners, only 80% of income is considered
Guiding You Home: SYS Support at Every Turn
A flat fee or a percentage of the sale price of your current home
A tax of 1% of the purchase price of your new home is payable to Revenue
Expected expenses when switching mortgage providers and moving house is a given
A solicitor conducts the conveyancing and liaises on your behalf between the solicitor of the purchaser of your home and the solicitor of the vendor of the home you’re buying
For more information on fees, please review our Terms of Business*
Expat Mortgage Moving Costs
Legal Fees
Solicitors handle legalities, including conveyancing
Broker Fees
SYS charges this for handling your application, including market research, application preparation, and submission.
Engineer's Fees
Recommended for homes over 100 years old or those with potential structural issues. Expect to pay from €300 upwards
Valuation Fee
Needed for your new loan-to-value ratio, you’ll pay between €150-€180 for a home evaluation
Stamp Duty
Payable to Revenue, it’s a percentage of your new property’s purchase price.
Stay Updated with Latest Mortgage Insights
Our talented team of expert advisors consistently monitors the market to provide you with the best mortgage advice in Ireland.
