First-time buyer rules in Ireland can sometimes cause confusion, particularly where someone has previously owned a property but never actually had a mortgage. It’s an area that has changed in recent years, and many people are surprised to learn that previous property...
What is mortgage protection and why does it matter? If you’re applying for a mortgage in Ireland, you’ve probably already come across the term mortgage protection. It’s often mentioned as part of the process, but not always fully explained. In simple terms, mortgage...
If you’ve had cancer, getting mortgage protection insurance in Ireland hasn’t always been straightforward - even years after recovery. You may have faced higher premiums, additional medical questions, or even difficulty getting cover at all. For many people, this...
Mortgage interest rates remain one of the biggest factors shaping property decisions in Ireland - whether you’re buying your first home, moving, switching lender, or reviewing an existing mortgage. After several years of sharp rate movement, the market has begun to...
At EDUC Mortgages, we were honoured to support the INTO Equality Conference 2026, held in the Tullamore Court Hotel on 23rd and 24th January. As an endorsed service provider to the Irish National Teachers’ Organisation (INTO), it was a privilege to be part of an event...
We’re proud to announce a new partnership between EDUC Mortgages and the Teachers’ Union of Ireland (TUI), designed to give teachers and lecturers access to specialist, no-fee mortgage advice tailored to the realities of education careers. This partnership brings...
Building your own home is a dream for many in Ireland – the freedom to design a house that suits your lifestyle, choose the perfect location, and watch it come to life step by step. But financing a self-build isn’t the same as buying a ready-made property. Lenders...
For many people in Ireland, building a home from the ground up is the ultimate dream: a house designed exactly to their taste, built in their preferred location, and potentially offering better value than buying a ready-made property. But self-builds aren’t for...
For many people, building their own home is the ultimate dream – but when it comes to financing that dream, self-build mortgages work very differently from a standard home loan. Lenders require more documentation, funds are released in stages, and the application...
What Irish homeowners need to know about porting a mortgage when buying a new home. Introduction: The Big Question for Home Movers Moving house is an exciting milestone, but for most Irish homeowners, it comes with a pressing financial question: “Can I bring my...
Your essential plan for a smooth back-to-back property move in Ireland. Introduction: The Juggling Act of Moving Home Selling your current house while buying your next one is one of the most stressful challenges Irish homeowners face. There’s a lot to coordinate;...
Everything you need to know about switching your mortgage, saving money, and making a smarter financial move. Introduction: Why Re-Mortgaging Matters For many Irish homeowners, the mortgage is their biggest monthly expense. Yet, according to recent figures from the...
While thousands of people in Ireland struggle to find affordable homes, many towns and rural areas are dotted with properties that have been vacant or derelict for years. These houses often need significant work before they can be lived in, and renovation costs can...
For many first-time buyers in Ireland, rising house prices, high rents, and increased living costs have made saving for a deposit harder than ever. Even those with steady incomes can struggle to save while paying record rents and covering everyday expenses. The Help...
For many would-be homeowners in Ireland, the challenge isn’t just saving for a deposit – it’s qualifying for enough mortgage finance to match real-world house prices. Over the past decade, property prices have grown faster than wages, and rising rents have made it...
Buying a property to rent out is very different from buying a home to live in. Lenders treat buy-to-let mortgages as higher-risk investments because your ability to repay is tied to rental income, not just your personal salary. This means the rules around how much you...
For years, fixed rates have dominated the mortgage market. But with interest rates shifting and borrowers rethinking their options, Avant Money has introduced something new: the Avant Flex Mortgage. This isn’t your standard variable rate. It’s a product designed to...
For decades, property investment has been one of Ireland’s most popular ways to build wealth. Many landlords have benefited from long-term price growth and steady rental income, making buy-to-let a cornerstone of personal investment strategies. But as we enter 2025,...
Property investment has long been a popular way for Irish people to grow their wealth and generate extra income. But becoming a landlord in 2025 isn’t as simple as buying a house and finding tenants. Changes in the Irish property market, tighter lending rules, and...
Ever felt overwhelmed by mortgage jargon? Our simple dictionary breaks down complex terms into easy, digestible language, perfect for anyone new to finance.
