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Top Up Mortgage
Access additional funds from your existing mortgage with competitive rates for home improvements, debt consolidation, or other major expenses.
Get Approval in Principle
6 mins to complete, no obligation
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160 Reviews5.0 out of 5
Spotlight
3 Important Facts About Top Up Mortgages
Everything you need to know about borrowing against the equity in your home.
Unlock Your House Value
Access additional funds from €10,000, with borrowing available up to 85% of your home's value.
Debt Consolidation
Combine other loans and credit card debt to benefit from lower interest rates and repayments.
Green Mortgage Discounts
Planning energy upgrades? You may qualify for reduced mortgage rates when retrofitting your home.
Application Process
Fast track your top up 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.
"We are so grateful for Paul's perseverance and couldn't recommend Top Mortgages enough !!"
Aisling Coffey
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
"One of the best decisions we made when buying our home."
Verna Wall
Frequently Asked Questions
Questions about top up mortgages you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
What can I use a top up mortgage for?
Top up mortgages are commonly used for home improvements, energy-efficiency upgrades, debt consolidation, education costs, and other significant expenses. Lenders will usually ask how the funds will be used as part of the application process.
Do I need to switch lender to get a top up mortgage?
Not necessarily. Many lenders allow existing customers to apply for additional borrowing on their current mortgage. However, it can be worth comparing options, as another lender may offer more competitive rates or terms depending on your circumstances.
How much can I borrow with a top up mortgage?
The amount you can borrow depends on your income, existing mortgage balance, property value, and lender criteria. In many cases, homeowners can borrow up to 80–90% of their property's value, subject to affordability and lending limits.
