Looking for a mortgage for an investment property is a big step into the Irish property market. An investment property is for the future, but finding the right one today is the biggest step.

Getting a buy-to-let mortgage can take time and patience. Finding the right investment property, securing the mortgage and getting the keys may not be easy, but the hard work will be worth it.

At LHK Mortgages in Dublin, we know how to get an investment property mortgage and are here for you from day one.

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What is an investment property?

An investment property is one you buy for the future. You secure a mortgage to buy the property today and rent it out over the next number of years.

The rental income from the investment property must cover your mortgage payments and could give you an income at the same time.

What is an investment property mortgage?

An investment property mortgage is a loan you get to buy a property you plan to rent out over the years to come.

An investment property mortgage can be difficult to get, as mortgage lenders have a lot of requirements for their customers looking to invest in property.

At LHK Mortgages, we know how to get an investment property mortgage and can be your guide to getting started in the investment property market in Dublin.

Getting a mortgage to buy an investment property

Getting an investment property mortgage can be very different from when you got a home mortgage. The Buy-to-Let process is more detailed, and you will need to have all your facts and figures in place.

To get a mortgage for an investment property, you will need to have:

Having robust financial finances and being able to show a lender your financial history is key to getting an investment property mortgage.

Stress-testing your finances is the first thing a mortgage advisor will do. Can you afford the mortgage, and can you afford a few months of not having the rental income, are two questions they will ask.

You will have extra costs to meet, like:

  • Maintenance of the property
  • Insurance, management and other annual fees to pay
  • Tax on the rental income

Without having a robust set of financial figures, you will struggle to get an investment property mortgage.

The robust proof of the proposed rental income is what your mortgage lender will want to see from the investment property.

The property, whether an apartment or a house in an estate, must show consistent returns from the rental market and be able to sustain that rental income for the life of the mortgage.

Remember, you’ll have to deduct the outgoings on the property too.

You will need to have a large deposit ready when applying for an investment mortgage for the property you want to buy.

The Rent-to-Buy mortgage needs you to have a deposit of between 25% and 30% in savings before a mortgage lender will ok the proposed property purchase.

A 25% deposit on a €450,000 property is €112,500, which is a lot of money to have free for buying the investment property.

Our LHK Mortgages mortgage advisors know the investment property market and can be by your side while securing the best mortgage possible and on the most suitable terms.

Are investment property mortgages available?

Yes, investment property mortgages are available in Ireland and having a rent-to-buy property can be a great way to secure your financial future.
Not every mortgage lender is in the investment property market, but at LHK Mortgages, we know and work with the top mortgage providers in Ireland to help get you the loan.

You will work with LHK Mortgages in Dublin to find the right mortgage for you and from the mortgage provider to suit your means.

How do I get an investment property mortgage?

You can get an investment property if you can show the mortgage lender that you have the financial capacity to repay the property loan for the agreed number of years.

You will need to be a legal resident in Ireland and in full-time employment, or show a significant income to cover all your costs.

What you need to show to qualify for an investment property mortgage in Ireland:

  • A minimum income to cover all costs
  • Robust, stress-tested finances
  • A significant deposit, usually around 30%
  • An excellent credit history
  • Financial capital to cover periods when the property is vacant
  • The expected monthly rental income must exceed repayments by around 25%
  • Be an existing homeowner

Mortgage lenders will differ on giving mortgages, but every good mortgage lender will stick to these rules and insist on having all the paperwork to prove your claims.

LHK Mortgages will work with you to have all the demands for an investment property mortgage in place before making your application.

Top tips for the investment property market

Having a few tips in your pocket can be a big first step when looking to get into the property investment market in Ireland.

If you can identify the right investment property, you will then know what else you will need before applying for a mortgage.

A good checklist when looking for an investment property in Ireland:

  • A property that is in good shape with little work to be done
  • A property in a good, strong rental area, such as close to a third-level college
  • A property that will need little maintenance
  • A property ready for rental as soon as possible
  • A good Loan To Value, LTV, on the property
  • A property with a good energy rating
  • A well-furnished property
  • Close to public transport and shops
  • Think like a tenant, and if you would like to live in the area

A one-bed apartment with all the facilities and an ensuite bathroom is always a good idea for starting in the investment property market. Young professionals are always looking for a quality home, and you will find it easier to let a one-bed apartment in Dublin.

A three-bed house near schools, GAA clubs and other sports facilities is attractive to families and is always in demand.

LHK Mortgages can advise you on suitable investment properties and what to look for when taking out an investment property mortgage in Ireland.

Contact LHK Mortgages today

Contact LHK Mortgages today for all the help you need when looking for an investment property mortgage in 2026.

LHK Mortgages is a long-established, trustworthy financial services company that can help secure finance for your investment. We work with a range of lenders, and our mortgage specialists are experts in all areas of financing, especially the difficult ones.

Call LHK Mortgages today or fill in the contact form to arrange a no-obligation consultation with one of our dedicated mortgage advisors.

Investment property mortgage FAQs

Yes, you can get an investment property mortgage if you are self-employed, but you will need to show you can afford the payments and make them each month.

Taking out an investment mortgage is a major commitment, and you will need to demonstrate that your self-employed finances can cover the repayments.

You probably can’t get an investment property mortgage for any home, as you will need to show that you can make the repayments from the first month you take over the property.

It is best to find a ready-to-rent property when looking for an investment mortgage.

Yes, an investment property mortgage can be more expensive than a standard home mortgage, as you will need a higher deposit, and your monthly repayments can be higher as the lender may be taking a bigger risk.

Mortgage interest rates fluctuate, and you could be paying more on your new mortgage over time.

Yes, you can flip an investment property, and many people do sell the investment property a few years after buying it.

When you flip a property, you usually buy a property that needs renovating and do it up before selling it at a profit.

Yes, you can get an investment property mortgage in Ireland. If you can show the mortgage lender that the property is a valid investment and you have the means to meet the mortgage, then you may be able to get an investment mortgage in Ireland.