Mortgages in Northern Ireland for Republic of Ireland Residents
If you live in the Republic of Ireland and want to buy a home in Northern Ireland, you’re not alone. Many people are choosing to move north because property is more affordable, mortgage criteria are less restrictive, and commuting or remote working makes it practical to live across the border.
We specialise in helping Republic of Ireland residents arrange residential mortgages for homes in Northern Ireland. This service is for people buying a home to live in — not for buy to let or property investors.
Who this is for
This service is designed for first time buyers, renters who want to buy, people moving home, remote workers, and commuters travelling between Northern Ireland and the Republic of Ireland.
Who this is not for
We do not arrange buy to let, investment, holiday let, or portfolio mortgages. This page is only for residential buyers who plan to live in the property.
- You live in the Republic of Ireland and want to buy a home in Northern Ireland.
- You may be renting now and want to buy instead.
- You may be struggling to get approved under Republic of Ireland mortgage rules.
Why so many people are moving north to buy
House prices in Northern Ireland are often significantly lower than in many parts of the Republic of Ireland, especially compared to Dublin and surrounding commuter areas. This means lower deposits, smaller mortgages, and more affordable monthly repayments.
Mortgage lending rules in Northern Ireland can also be more flexible for genuine home buyers, which means many people who cannot get approved in the South find they can qualify in the North.
Republic of Ireland
Higher property prices, larger deposits, strict income multiples, and tighter affordability testing make buying difficult for many households.
Northern Ireland
Lower prices, smaller deposits, and more flexible affordability rules make it easier for many people to buy a home.
- Lower average house prices mean smaller mortgages and deposits.
- More flexible lending rules for residential buyers.
- Ability to buy instead of rent.
Can I get a mortgage in Northern Ireland if I live in the Republic of Ireland?
Yes, it is possible to get a mortgage in Northern Ireland even if you currently live in the Republic of Ireland. However, not all lenders will accept applications from non UK residents, which is why specialist advice is important.
We work with lenders who understand cross border buyers and can assess your income, employment, and credit history properly.
Income in euros
Many lenders will accept income paid in euros, usually using an exchange rate or a converted sterling figure.
Employment in the South
It is usually fine to keep your job in the Republic of Ireland, whether you commute or work remotely.
- Your income does not have to be paid in sterling.
- You do not need to already live in Northern Ireland to apply.
- Remote and hybrid working is widely accepted.
What deposit do I need?
Most lenders will require a deposit, typically higher than for someone already living in the UK, but still often lower than what is required in the Republic of Ireland.
The exact amount depends on your circumstances, the property type, and the lender.
Typical deposit range
Deposits are commonly between 15% and 25% of the purchase price, depending on the lender and your profile.
What affects this
Your income, credit history, employment type, and whether you are a first time buyer all influence the deposit required.
- Deposits are often lower than in the Republic of Ireland.
- First time buyers may have access to higher loan to value options.
- We check the whole market to find the most suitable option.
How the process works
We aim to make the process simple, clear, and stress free. We guide you through each step and explain everything in plain English.
You do not need to commit to anything until you are happy with the advice and the options available.
Step by step
We review your situation, assess your eligibility, match you to suitable lenders, and arrange your mortgage from application through to completion.
Our role
We handle the lender communication, paperwork, and updates so you don’t have to deal with multiple banks or confusing criteria.
- Initial eligibility check.
- Agreement in principle.
- Full application, offer, and completion.
Ready to see if you could buy in Northern Ireland?
If you’re currently renting, struggling to get approved in the Republic of Ireland, or simply want to explore whether moving north could help you buy your own home, we’re here to help.
A quick conversation can often tell you whether you’re likely to be eligible, what deposit you might need, and what price range could be realistic — with no obligation and no pressure.
Free initial check
We’ll review your income, employment, and situation and let you know what your options look like before you start viewing properties.
Clear next steps
If buying in Northern Ireland is possible for you, we’ll explain exactly what to do next and how to move forward with confidence.
- No obligation and no pressure.
- Residential buyers only.
- Clear, honest advice in plain English.