Buy To Let

Buy To Let Mortgage Ireland

Buy-to-let mortgages in Ireland facilitate property investment by providing financing specifically tailored for purchasing residential properties to rent them out for income.

Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

How is the process for buy-to-let mortgage?

With up to 70% finance available on all investment properties, We’ve made it easier than ever to get started on your rental journey. All you have to do is enter some quick details and one of our award-winning Mortgage advisors will get in touch with you. After your call you will be sent a link to our state-of-the-art online application portal, which streamlines the mortgage switching process, allowing you to upload your documents and get the approval online for your new mortgage.

Getting a quote is the first step, as one of our expert award-winning advisors will contact you and guide you all the way.


For a buy-to-let mortgage, you will require a minimum of a 30% deposit. 


You will require 6 months of pay-slips and bank statements to apply for your Mortgage online.


Once your lender has approved your loan, you get an AIP (Approval In Principle) and you can make an offer on your new home.

What are the advantages of buying an investment property in Ireland?

  1. Landlords in Ireland can deduct certain expenses, such as mortgage interest and maintenance costs, from their rental income, reducing their taxable income and potentially lowering their overall tax liability.

  2. Mortgage interest relief, although being phased out for new mortgages after December 2020, still provides significant tax benefits for landlords with existing buy-to-let mortgages, helping to offset the cost of borrowing and increase rental yield.

  3. Investment properties in Ireland can offer a steady source of passive income, providing landlords with financial security and the potential for long-term wealth accumulation through rental payments and property appreciation.

  4. With careful property selection and management, landlords can leverage the power of leverage, using borrowed funds to increase their property portfolio and amplify their returns on investment over time.

  5. Despite taxation and regulatory considerations, investing in rental properties remains a popular and lucrative strategy for wealth creation in Ireland, offering investors the opportunity to diversify their investment portfolio and build a reliable source of income for the future.

Start your journey today. Take the first step to achieve all your financial goals.

Meet our Team of Expert Advisors

How is the process to apply for a mortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Want to get started with your first mortgage? Need more advice?

Google Reviews

Gary WalshGary Walsh ★★★★★ Highly recommend speaking to Richie if you are looking for mortgage protection. Myself and my wife were delighted with the service from Richie, so efficient and easy to deal with! 10/10Adrian ReidAdrian Reid ★★★★★ I highly recommend if you are thinking of switching mortgage. Amanda handled our request and was very helpful and patient with us throughout the whole process.She took the stress out of switching and was proactive in tracking of all the outstanding documents that were needed.Amanda's calm and friendly personality took the pressure and frustration out of the switching. Thank you for your excellent service!Aneena NixonAneena Nixon ★★★★★ Thank you very much Collin for helping me out to find the right mortgage protection very quickly. I was very stressful about finding the right insurance as I already talked to few companies, but Collin made it super easy for me and my husband. Highly recommended. Outstanding customer service.Response from the ownerHello Aneena, we're so pleased to hear about your positive experience with Colin. Thank you for recommending us and for trusting us with your mortgage protection needs. Emma RocheEmma Roche ★★★★★ We had the pleasure of dealing with Colin our advisor on our mortgage protection, wonderful service, he was informative and professional and made us feel totally at ease.Would highly recommend.Thanks again Colin.Response from the ownerHello Emma, we're pleased to hear about your positive experience with Colin. Thank you for acknowledging his professionalism and informative service. Megan KeenanMegan Keenan ★★★★★ Bernadine was incredibly helpful throughout our mortgage application. She was so patient with our many, many questions, very reassuring every step of the way and made the whole experience seamless. We had a long road dealing with probate on sellers side and Bernadine managed everything so well. Her professionalism, expertise and kindness made this experience a lot more manageable. Her ability to make me smile on those few very stressfull periods I’ll never forget!We couldn’t reccomend Bernadine enough.Megan and DanResponse from the ownerHello Megan, we're delighted to hear about your positive experience with Bernadine. Thank you for sharing how she supported you throughout your mortgage application. Ryan LloydRyan Lloyd ★★★★★ Richard was a fantastic help and helped us navigate the waters to setting up our first mortgage protection policy for the cheapest price. Couldn't recommend enough!Response from the ownerHello Ryan, thank you for your feedback. We're thrilled Richard could assist you effectively with your mortgage protection policy. Your recommendation is much appreciated! js_loader

Your Questions Answered

The most common maximum borrowing amount is 3.5x your annual gross salary (Some exceptions may apply). This is based on a single income application. If it is a dual application it is 3.5x both annual salaries combined.

Before you apply for your Mortgage, you are required to have 10% of the loan value of the property.

For example, If you require a Mortgage of €200,000 – You would require a deposit of €20,000.

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between you and the lender.

This is a percentage figure which represents the difference between your mortgage loan and the value of your property. For example if your mortgage is €100,000 on a property valued at €200,000, your LTV rate would be 50%.

LTI is your Loan to Income rate, generally you are allowed to borrow 3.5x your annual income before tax. Some exceptions may apply.

Variable rates allow you to increase your re-payments, you can also use a lump sum to pay off all or part of your mortgage, or re-mortgage without having to pay any fixed rate breaking fees. However, variable rates can rise and fall meaning your mortgage repayments can go up or down during your Mortgage term.

This is the amount you owe excluding costs and interest. This is also known as the “Principal” of your loan.

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

The date the mortgage must be repaid in full, or by which a new agreement needs to be taken out.

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Here at LowQuotes, we want to ensure that our customers achieve all their financial goals, no matter what stage of life they are at.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at hope you, your family and your loved ones stay safe & healthy in this time.