Turning Property into Profit with a Buy to Let Mortgage Starts Here

Whether you’re buying your first rental property or expanding your portfolio, we’ll help you finance it.

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Rates from 4.8% *

We check more than 100 Rates from Ireland’s Leading Lenders including

First Time Buyer Benefits

Buying your first home in Ireland?  You may be entitled to a range of financial supports.

Higher Deposit Requirements

Buy-to-let mortgages require a larger deposit than residential loans – usually 30% or more of the property price.

Rental Income Assessment

Lenders assess whether the expected rent will cover your mortgage at a stressed rate to allow for rental voids. Some also factor in your personal income.

Property Standards

Your property must meet rental compliance – including structure, safety, and condition.

Higher Interest Rates

Investor loans often come with higher rates than standard residential mortgages. We compare all lenders to get you the best available deal.

Personal vs Company Purchase

Buy-to-let investors can purchase personally or through a company – your structure affects both tax and borrowing.

Valuation Fee

The lender will need a current property valuation to calculate the loan-to-value ratio. This usually costs between €150 and €180. The lender will arrange this.

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Frequently Asked Questions

Can you get a buy-to-let mortgage in Ireland?

Yes, buy-to-let mortgages are available from some Irish lenders, but the criteria are stricter than for residential mortgages. You’ll usually need:

A minimum 30% deposit
A property that meets rental standards
Proof that expected rental income covers the repayments
A clean credit history
You cannot be a first-time buyer

If you’re applying through a Limited Company, additional documentation and tax considerations will apply.

How much of a deposit do you need for a buy-to-let in Ireland?

Is it hard to switch to a buy-to-let mortgage?

It depends on your situation. If you already own a property and want to rent it out:

Some lenders allow you to convert your mortgage to a buy-to-let
Others may require a full remortgage under buy-to-let terms
Some lenders will allow you to let your property and retain the rate you’re on

Approval will depend on your equity, repayment capacity, and rental viability. We’ll help you understand what’s possible.

How to get a buy-to-let mortgage in Ireland?

Check your deposit – Minimum 30% is required
Confirm rental potential – Estimate achievable rent
Get Approval in Principle – We’ll help you apply
Submit documents – Similar to any residential purchase
Complete legal steps – Valuation, solicitor, drawdown

SYS Mortgages handles the full process, from rate comparison to paperwork coordination.

Our other mortgages

Whether you’re building from scratch, moving home, switching lenders, or investing, we’ve got you covered.

First Time Buyer Mortgage Switcher Home Mover Mortgage Release Home Equity Self-Build Mortgage Expat Mortgage

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Step onto the property ladder

First Time Buyer

Expert support and access to exclusive schemes like Help to Buy and the First Home Scheme. We’ll guide you through every step — from approval to moving in.

Save money by switching

Mortgage Switcher

If your fixed term is ending or you’re on a high rate, switching could save you thousands — and it’s easier than you think.

Aerial view of rows of energy efficient new build modular terraced houses in the UK with characterless design and in built rooftop solar panels for first time buyers

Moving up or downsizing?

Home Mover Mortgage

Switching homes doesn’t have to mean starting over — we help you carry your mortgage or find a better deal.

Half-painted new build home with ladder in the middle of the room

Home value to financial freedom.

Release Home Equity

Remortgage or release equity to fund renovations, help family, or free up cash — without moving house.

Your dream home, your way.

Self-Build Mortgage

Tailored finance for those building their own home — with staged drawdowns and expert support from foundation to finish.

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Buying while living abroad?

Expat Mortgage

Specialist mortgage solutions for Irish expats looking to invest, return home, or support family from overseas.