Whether you are an established landlord or this is your first Buy-to-Let property, we know it’s important for you to make the right investment decision.
Established in 1864, ICS Mortgages is one of Ireland’s leading mortgage brands. Our Buy-to-Let Mortgage is available to new and existing property investors looking for a flexible and tax-efficient mortgage. We will also lend to those wishing to refinance a property portfolio.
Our mortgages are available to:
Individuals
Companies
Pension (Unit Trusts)
Individual Buy-to-Let Investors Features and Benefits
15 year Interest Only option
25 year Capital and Repayment option
35 year Flexi-Mortgage*
Up to 70% Loan to Value (Loans up to €1m)
Up to 65% Loan to Value (Loans from €1m up to €1.25m)
Minimum loan size €80,000 – Maximum loan size €1.25m
Term 5 to 35 years
Minimum property value €100,000 with no maximum property value
Minimum age of applicants 21 years, maximum age on maturity 75 years
Minimum annual income €40,000 (per single/joint application)
Up to 4 applicants on each mortgage
An individual may be able to borrow up to:
€4m - if the weighted average LTV < 50%
€3m - if the weighted average LTV for all loans is >50% and <60%
€2m - if the weighted average LTV for all loans is >60% and <70
*1 to 10 year Interest Only option with remaining term on Capital and Interest up to 35 years depending on age
Company Buy-to-Let Investors Features and Benefits
10 year Interest Only option
25 year Capital and Repayment option
35 year Flexi-Mortgage
Up to 70% Loan to Value (Loans up to €1m)
Up to 65% Loan to Value (Loans from €1m to €1.25m)
Minimum loan size €80,000 – Maximum loan size €1.25m
Term 5 to 35 years
Minimum property value €100,000 with no maximum property value
The company must be registered in Ireland, with one Irish resident Director on a minimum annual income of €40,000
An Individual/Company may be able to borrow up to:
€4m - if the weighted average LTV < 50%
€3m - if the weighted average LTV for all loans is >50% and <60%
€2m - if the weighted average LTV for all loans is >60% and <65%
Pension (Unit Trust) Mortgage Investors Features and Benefits
15 year Capital and Repayment option
Non-Recourse Lending
Up to 50% Loan to Value
Minimum loan size €80,000 - up to €500,000
Term 5 to 15 years
Minimum property value €160,000.
Please note Trustees may have additional criteria.
Our Pension (Unit Trust) Mortgage is available through our Direct Team, Pension Advisers and ICS Mortgages Broker channel.