Mortgage Blog
Get the latest mortgage advice, tips, tricks and updates right here on the EDUC Mortgages Blog.
Featured Article
Help shape our next teacher property webinars
What would you like practical, straightforward guidance on? Buying a home, building or renovating a home can bring up a lot of questions. How much could you borrow? Does your contract affect your options? Is it better to keep renting for now? Could buying alone be...
Help shape our next teacher property webinars
What would you like practical, straightforward guidance on? Buying a home, building or renovating a home can bring up a lot of questions. How much could you borrow? Does your contract affect your options? Is it better to keep renting for now? Could buying alone be...
Mortgages for Teachers in Ireland: What You Need to Know
A teaching career can look very different at 25, 35 and 55, and so can the mortgage conversation. When it comes to mortgages for teachers in Ireland, the way a lender assesses you can change considerably over the course of your career. At 25, you might be on a...
Should You Rent or Buy a Home in Ireland?
If you're wondering whether you should rent or buy a home in Ireland, you're certainly not alone. For generations, buying a home was seen as the obvious goal. You rented for a few years, saved a deposit, bought a home, and gradually worked your way towards owning it...
Can You Get a Mortgage After 50 in Ireland? | A Guide to Later-Life Borrowing
From returning emigrants and long-term renters to those navigating separation or rebuilding after financial challenges, more people are exploring mortgage options later in life. Here's what you need to know about borrowing after 50 in today's Irish mortgage market....
First-Time Buyer Rules in Ireland: Who Qualifies?
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...
Mortgage Protection Ireland: What You Need to Know Before You Take It Out
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...
The “Right to Be Forgotten” – A Major Change for Mortgage Protection in Ireland
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...
Irish Mortgage Rates 2026: Where We Are, What’s Changed & What Comes Next
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...
EDUC Mortgages Proud to Support INTO Equality Conference 2026
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...
EDUC Mortgages Partners with TUI to Support Teachers and Lecturers with Specialist Mortgage Advice
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...
From the Ground Up: A Step-by-Step Guide to Financing Your Self-Build
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...
Is a Self-Build Right for You? Pros, Cons and Questions to Ask Before You Begin
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...
Top 6 Pitfalls to Avoid When Applying for a Self-Build Mortgage
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...
Moving House – Can I Bring My Mortgage with Me?
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...
How to Sell and Buy at the Same Time – A House Movers’Guide
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;...
Guide to Re-Mortgaging in Ireland
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...
Vacant Property Reburbishment Grant – Turning Empty Houses into Homes
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...
Help to Buy Scheme – A Key Boost for First-Time Buyers in Ireland
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...
First Home Scheme – Bridging the Gap for Irish Buyers
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...
How Much Can You Borrow for a Buy-to-Let? Rental Yield, Stress Tests and Lender Criteria Explained
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...
Avant Flex Mortgage | A Flexible Variable Rate Mortgage Explained
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...