Mortgages for investment properties

Rental yields vary by location and property type. In general:

• Dublin: Yields typically range from 4% to 6%, depending on area and property condition.
• Cork and Galway: Slightly lower yields, averaging 3.5% to 5%, but with strong rental demand from students and professionals.

Yields are calculated by dividing annual rental income by the property's value. Our team can help assess expected returns for specific areas.

Yes, you can purchase investment property through:

• A limited company, which may offer tax efficiencies.
• A Self-Administered Pension Scheme (SAPS), allowing you to invest pension funds in property.

These structures require specialist advice and must comply with Revenue and pension regulations.

Sherry FitzGerald Mortgages can connect you with experts in this area.

Professional management is key. Sherry FitzGerald Lettings offers:

• Tenant sourcing and vetting.
• Rent collection and inspections.
• Maintenance coordination.
• Legal compliance and dispute resolution.

This takes the pressure off landlords and ensures your investment is protected.

Getting a buy-to-let mortgage involves:

• Demonstrating rental income potential.
• Meeting deposit requirements (usually 25-30% of property value).
• Passing affordability checks based on your overall financial profile.

Lenders apply stricter criteria for investment properties. Our brokers will guide you through the process and compare offers across the market.

Not necessarily - but it depends on how the loan is structured. If you secure the buy-to-let mortgage against your family home, it could be at risk if repayments are missed. However, many lenders offer standalone investment loans secured only on the rental property. We'll help you choose the safest option.