Expat Mortgage

As an Expat getting a mortgage when you return home can be frustrating. Expat mortgage lenders are our speciality and we have secured hundreds of mortgages for Irish abroad.

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Securing an expat mortgage in Ireland

Are you an Irish citizen and working overseas? And, are you considering buying a property back home and looking for financial guidance? Top Mortgages is one of Ireland’s leading Expat Mortgage specialists and we are here to help you apply for a residential mortgage within the lending market.

Mortgage Deposit

Expat Mortgage Deposit

A 30% deposit is required to apply for a property loan as an expat applicant.
Expat Mortgage

Expat Mortgage Application

Every expat applicant is unique so we'll advise on what paperwork you need after talking.
Buying a House

Buying a House

Once your lender approves your non resident mortgage application you can make an offer on a property.

Mortgage calculator for expat buyers

Use our online Expat Mortgage calculator below to find out the rates of your monthly repayments if you were to choose a non-resident mortgage with Top Mortgages. You get an instant quote and can book a callback in one click.

Your Mortgage Results

Based on the details provided, you could avail of a mortgage of up to:

Mortgage amount


Monthly repayments


Minimum deposit


Max mortgage allowed


Benefits Of using a mortgage broker

Expat mortgages can be complex financial agreements when you are non resident. Its important to have an advisor who can get all the paperwork sorted and communicate across timezones.

Our team of highly qualified mortgage brokers can help you secure an Expat Mortgage on an Irish property while you’re still working overseas. You can begin the application process at a time that suits you best.

A mortgage advisor will then arrange to speak with you at a convenient time to guide you through the application process and discuss your personal mortgage rates. This is to take into account any difference in time zones.

Once the initial discussion has taken place and you choose to go ahead with our services, a mortgage advisor will conduct the entire process from start to finish while informing you of every step. In other words, we will look after everything while you get on with life!

Expat Timezone Difference

Different Timezones

We accommodate any timezone differences to meet your schedule

Legal Paperwork

Expert knowledge of the paperwork needed and how to complete it
Single Point of Contact

Single Contact Point

One broker will deal with your application from submission to approval


Over 10 years experience getting non resident mortgages approved

Jargon buster for expat mortgage applicants

We explain the most common jargon terms used when talking about mortgages for expat home buyers in plain simple to understand language.

30% minimum of the property loan value is required as a deposit before you can apply for a mortgage.

For example, if you wish to purchase a house valued at €200,000 you will need a deposit of at least €60,000

AIP is short for Approval in Principle.

Its a non legally binding opinion from our first conversation about your finances to give you an indication of how much you might be able to borrow for a property.

LTV is short for Loan to Value. This is the amount of money you can borrow based on the asking price of the property.

A first time buyer can borrow up to 90% of the value of a property and a 2nd time buyer can borrow up to 80% of the value of a property.

The standard variable rate is the main mortgage rate charged by your lender. It is the long term rate of interest that your mortgage will switch to once your introductory fixed rate period has ended.

A variable rate mortgage means your monthly repayments can go up aswell as down based on European interest rates and your mortgage lender.

Expat Mortgage Guides

Stay informed with our mortgage guides on how to select the best non resident mortgage that's right for you and your financial circumstances.