09/10/2026
💡🏡 Did you know you can potentially get an Irish mortgage while living abroad?? Earlier this year, I spoke to Rob Priestman from EBS about what that could look like:
🇦🇺 First-time buyer couple in Australia
Combined income: AUD $300,000
≈ €186,800
80% assessed:
€186,800 × 80% = €149,440
First-time buyer borrowing:
€149,440 × 4 = €597,760
Potential mortgage: ~€598,000
At 70% loan-to-value:
Potential property budget: ~€850,000
That could mean a 3–4 bed family home in many parts of Dublin or a larger family home outside Dublin.
🇦🇪 First-time buyer in Dubai
Income: AED 300,000
≈ €72,900
80% assessed:
€72,900 × 80% = €58,320
First-time buyer borrowing:
€58,320 × 4 = €233,280
Potential mortgage: ~€233,000
At 70% loan-to-value:
Potential property budget: ~€333,000
That could mean an apartment or starter home in Dublin, or a wider range of houses in other parts of Ireland.
✨ The key point: you may be able to buy your home in Ireland before you move back.
Figures are illustrative only. Exchange rates, lending criteria and individual borrowing capacity vary.